FINANTA
Charter #24928 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
FINANTA has 11 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Strong member growth: 56.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.2% in tier
- + Fee Income Per Member: Top 0.2% in tier
- + Member Growth Rate: Top 0.4% in tier
- + Net Charge-Off Rate: Top 1.2% in tier
- + Loan Growth Rate: Top 6.4% in tier
- + AMR Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 8.3% in tier
- - Loan-to-Share Ratio: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,434
+56.4% YoY+14.5% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
39th in tier |
| Assets |
$32.8M
+202.7% YoY+5.1% QoQ
|
+$2.9M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
62nd in tier |
| Loans |
$3.7M
+14.4% YoY+7.9% QoQ
|
$-12.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
28th in tier |
| Deposits |
$13.1M
+105.6% YoY+15.5% QoQ
|
$-12.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
42nd in tier |
| ROA |
1.4%
-16.8% YoY-49.7% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 23.4% in tier |
| NIM |
3.0%
-19.9% YoY-9.7% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 19.2% in tier |
| Efficiency Ratio |
81.2%
-5.1% YoY+13.1% QoQ
|
-0.2% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
57th in tier |
| Delinquency Rate |
1.3%
-42.0% YoY+0.0% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
69th in tier |
| Loan To Share |
28.2%
-44.3% YoY-6.6% QoQ
|
-33.0% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.5% in tier |
| AMR |
$11,735
+11.9% YoY-0.7% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
38th in tier |
| CD Concentration |
10.9%
-12.7% YoY+17.6% QoQ
|
-13.5% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
2
Asset Growth Rate
growth
Value:
202.72%
Peer Avg: 1.82%
#2 of 2596
Top 0.0% in <100M tier
6
Deposit Growth Rate
growth
Value:
105.56%
Peer Avg: 16.80%
#6 of 2596
Top 0.2% in <100M tier
7
Fee Income Per Member
profitability
Value:
$1,444
Peer Avg: $182.96
#7 of 2596
Top 0.2% in <100M tier
12
Member Growth Rate
growth
Value:
56.38%
Peer Avg: 14.92%
#12 of 2596
Top 0.4% in <100M tier
32
Net Charge-Off Rate
risk
Value:
-0.46%
Peer Avg: 0.57%
#32 of 2596
Top 1.2% in <100M tier
166
Loan Growth Rate
growth
Value:
14.41%
Peer Avg: 59.01%
#166 of 2596
Top 6.4% in <100M tier
183
AMR Growth Rate
growth
Value:
11.86%
Peer Avg: 4.67%
#183 of 2596
Top 7.0% in <100M tier
608
Return on Assets (ROA)
profitability
Value:
1.38%
Peer Avg: 0.68%
#608 of 2596
Top 23.4% in <100M tier
Top Weaknesses (4 metrics)
2381
Members Per Employee (MPE)
engagement
Value:
130.364
Peer Avg: 365.701
#2381 of 2596
Bottom 8.3% in <100M tier
2372
Loan-to-Share Ratio
balance_sheet
Value:
28.19%
Peer Avg: 61.23%
#2372 of 2596
Bottom 8.7% in <100M tier
2107
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,581
Peer Avg: $5,488
#2107 of 2596
Bottom 18.9% in <100M tier
2097
Net Interest Margin (NIM)
profitability
Value:
3.04%
Peer Avg: 3.93%
#2097 of 2596
Bottom 19.3% in <100M tier