PENNSYLVANIA CENTRAL

Charter #2625 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

PENNSYLVANIA CENTRAL has 11 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 4.3% in tier
  • + Organic Growth Engine: Top 8.8% in tier
  • + Wallet Share Momentum: Top 13.5% in tier
  • + Relationship Depth Leader: Top 22.2% in tier
  • + ROA 0.11% above tier average
  • + Net Interest Margin 0.30% above tier average
  • + Strong member growth: 50.5% YoY
  • + Loan Growth Rate: Top 0.2% in tier
  • + Deposit Growth Rate: Top 0.4% in tier
  • + Asset Growth Rate: Top 0.5% in tier
  • + Member Growth Rate: Top 0.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 1.4% in tier
  • - Fee Income Per Member: Bottom 4.4% in tier
  • - Indirect Auto Concentration (%): Bottom 4.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 12,590
+50.5% YoY+48.9% QoQ
 -3.0K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 45th in tier
Assets $127.8M
+56.8% YoY+48.9% QoQ
 $-103.5M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 19.2% in tier
Loans $85.2M
+66.0% YoY+48.6% QoQ
 $-62.6M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 25th in tier
Deposits $113.9M
+55.1% YoY+48.3% QoQ
 $-86.4M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 20.3% in tier
ROA 0.9%
+13.9% YoY+20.6% QoQ
 +0.1% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 60th in tier
NIM 3.9%
-6.6% YoY-2.1% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 67th in tier
Efficiency Ratio 76.1%
+2.3% YoY-2.1% QoQ
 -1.2% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 0.6%
-45.0% YoY+6.0% QoQ
 -0.3 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 42nd in tier
Loan To Share 74.8%
+7.0% YoY+0.3% QoQ
 +2.1% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 51st in tier
AMR $15,816
+6.0% YoY-0.3% QoQ
 $-9K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 13.1% in tier
CD Concentration 12.6%
+14.6% YoY-2.1% QoQ
 -11.8% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 46.6%
-29.6% YoY-23.2% QoQ
 +32.6% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#82 of 627 • Top 4.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 50.54%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | New qualifier

Organic Growth Engine

growth
#162 of 603 • Top 8.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 50.54%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.90%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 46.57%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#374 of 1006 • Top 13.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.01%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#614 of 1006 • Top 22.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.01%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.1K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk
#24 of 525 • Bottom 1.4% in tier

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

Why This Signature
Asset Growth (YoY): 56.80%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 46.57%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 50.54%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (7 metrics)

3
Loan Growth Rate
growth
Value: 66.03%
Peer Avg: 3.45%
#3 of 1077 Top 0.2% in 100M-500M tier
5
Deposit Growth Rate
growth
Value: 55.09%
Peer Avg: 4.69%
#5 of 1077 Top 0.4% in 100M-500M tier
6
Asset Growth Rate
growth
Value: 56.80%
Peer Avg: 4.70%
#6 of 1077 Top 0.5% in 100M-500M tier
8
Member Growth Rate
growth
Value: 50.54%
Peer Avg: 0.72%
#8 of 1077 Top 0.6% in 100M-500M tier
132
First Mortgage Concentration (%)
balance_sheet
Value: 9.30%
Peer Avg: 30.43%
#132 of 1077 Top 12.2% in 100M-500M tier
169
Members Per Employee (MPE)
engagement
Value: 419.667
Peer Avg: 332.881
#169 of 1077 Top 15.6% in 100M-500M tier
175
Share Certificate Concentration (%)
balance_sheet
Value: 12.62%
Peer Avg: 23.61%
#175 of 1077 Top 16.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1031
Fee Income Per Member
profitability
Value: $65.26
Peer Avg: $174.31
#1031 of 1077 Bottom 4.4% in 100M-500M tier
1028
Indirect Auto Concentration (%)
balance_sheet
Value: 46.57%
Peer Avg: 13.34%
#1028 of 1077 Bottom 4.6% in 100M-500M tier
936
Average Member Relationship (AMR)
engagement
Value: $15,816
Peer Avg: $24,363
#936 of 1077 Bottom 13.2% in 100M-500M tier
870
Total Assets
balance_sheet
Value: $127.85M
Peer Avg: $231.30M
#870 of 1077 Bottom 19.3% in 100M-500M tier
858
Loan-to-Member Ratio (LMR)
engagement
Value: $6,770
Peer Avg: $10,245
#858 of 1077 Bottom 20.4% in 100M-500M tier
858
Total Deposits
balance_sheet
Value: $113.89M
Peer Avg: $200.29M
#858 of 1077 Bottom 20.4% in 100M-500M tier