POLICE & FIRE

Charter #2551 | PA

7B-10B (30 CUs) Large (64 CUs)
3 7B-10B in PA

POLICE & FIRE has 8 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 26.5% in tier
  • + Relationship Depth Leader: Top 36.8% in tier
  • + ROA 0.95% above tier average
  • + Efficiency Ratio: Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 3.3% in tier
  • + Net Worth Ratio: Top 3.3% in tier
  • + Share Certificate Concentration (%): Top 6.7% in tier
  • + Total Assets: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.6% in tier
  • - Stagnation Risk: Bottom 8.7% in tier
  • - Institutional Decline: Bottom 22.2% in tier
  • - Indirect Auto Dependency: Bottom 23.2% in tier
  • - Membership Headwinds: Bottom 26.1% in tier
  • - Credit Quality Pressure: Bottom 26.2% in tier
  • - Member decline: -2.7% YoY
  • - Loan Growth Rate: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 439,277
-2.7% YoY+0.5% QoQ
 -20.0K 459,296
+3.8% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 47th in tier
Assets $9.8B
+5.5% YoY+0.3% QoQ
 +$878.5M $8.9B
+1.2% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Top 10.0% in tier
Loans $5.7B
-5.3% YoY-1.6% QoQ
 $-618.3M $6.3B
+2.9% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 27th in tier
Deposits $8.0B
+4.3% YoY-0.3% QoQ
 +$520.1M $7.5B
+2.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 2.0%
+33.8% YoY+1.3% QoQ
 +0.9% 1.0%
+22.1% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 6.7% in tier
NIM 2.7%
+21.4% YoY+1.1% QoQ
 -0.3% 3.0%
+11.5% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 23.3% in tier
Efficiency Ratio 40.6%
-12.1% YoY+0.1% QoQ
 -23.1% 63.7%
-2.2% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 0.0% in tier
Delinquency Rate 0.2%
+0.8% YoY-4.6% QoQ
 -0.5 0.7%
+10.8% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 3.3% in tier
Loan To Share 71.8%
-9.2% YoY-1.3% QoQ
 -13.7% 85.4%
+0.7% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 20.0% in tier
AMR $31,180
+2.8% YoY-1.3% QoQ
 $-2K $33,660
-2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 7.6%
-8.7% YoY+0.2% QoQ
 -21.3% 28.9%
-1.3% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Bottom 4.7% in tier
Indirect Auto % 16.2%
-19.5% YoY-7.3% QoQ
 -0.4% 16.6%
-10.3% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#32 of 46 • Top 26.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 2.82%, National: 4.19%)
better than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#44 of 46 • Top 36.8% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.85%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.2K
(Tier: $3.2K, National: $2.0K)
but worse than tier avg
46 of 64 Large CUs have this signature | 1330 nationally
↑ Growing +18 CUs YoY | Rank worsening

Concerns (6)

Liquidity Overhang

risk
#3 of 24 • Bottom 3.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.99%
(Tier: 11.62%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 71.77%
(Tier: 84.48%, National: 67.96%)
worse than tier avg
24 of 64 Large CUs have this signature | 691 nationally
↑ Growing +7 CUs YoY

Stagnation Risk

risk
#3 of 10 • Bottom 8.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.98%
(Tier: 0.91%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.75%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $31.2K
(Tier: $34.1K, National: $19.4K)
worse than tier avg
CD Concentration: 7.59%
(Tier: 28.87%, National: 19.60%)
but better than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Institutional Decline

decline
#3 of 5 • Bottom 22.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $9.80B
(Tier: $8.92B, National: $547.69M)
but better than tier avg
Member Growth (YoY): -2.75%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -5.34%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
5 of 64 Large CUs have this signature | 293 nationally
→ Stable (1→5 CUs) +4 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#24 of 33 • Bottom 23.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.51%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 16.20%
(Tier: 16.60%, National: 7.90%)
but better than tier avg
Member Growth (YoY): -2.75%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY

Membership Headwinds

decline
#7 of 10 • Bottom 26.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.75%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
10 of 64 Large CUs have this signature | 648 nationally
↑ Growing +7 CUs YoY | New qualifier

Credit Quality Pressure

risk
#33 of 34 • Bottom 26.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

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)

Comparing against 30 peers in tier

Top Strengths (7 metrics)

1
Efficiency Ratio
profitability
Value: 40.59%
Peer Avg: 63.73%
#1 of 30 Top 0.0% in 7B-10B tier
2
Return on Assets (ROA)
profitability
Value: 1.98%
Peer Avg: 1.03%
#2 of 30 Top 3.3% in 7B-10B tier
2
Total Delinquency Rate (60+ days)
risk
Value: 0.19%
Peer Avg: 0.67%
#2 of 30 Top 3.3% in 7B-10B tier
2
Net Worth Ratio
risk
Value: 17.99%
Peer Avg: 12.36%
#2 of 30 Top 3.3% in 7B-10B tier
3
Share Certificate Concentration (%)
balance_sheet
Value: 7.59%
Peer Avg: 26.92%
#3 of 30 Top 6.7% in 7B-10B tier
3
Total Assets
balance_sheet
Value: $9.80B
Peer Avg: $8.92B
#3 of 30 Top 6.7% in 7B-10B tier
7
Members Per Employee (MPE)
engagement
Value: 537.671
Peer Avg: 450.512
#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (3 metrics)

28
Loan Growth Rate
growth
Value: -5.34%
Peer Avg: 3.91%
#28 of 30 Bottom 10.0% in 7B-10B tier
26
Member Growth Rate
growth
Value: -2.75%
Peer Avg: 2.85%
#26 of 30 Bottom 16.7% in 7B-10B tier
24
Loan-to-Share Ratio
balance_sheet
Value: 71.77%
Peer Avg: 85.44%
#24 of 30 Bottom 23.3% in 7B-10B tier