TOP TIER

Charter #3655 | PA

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

TOP TIER has 11 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.6% in tier
  • + Organic Growth Engine: Top 2.3% in tier
  • + Wallet Share Momentum: Top 14.9% in tier
  • + Relationship Depth Leader: Top 26.0% in tier
  • + ROA 0.78% above tier average
  • + Strong member growth: 6.7% YoY
  • + Asset Growth Rate: Top 4.1% in tier
  • + Deposit Growth Rate: Top 4.4% in tier
  • + Member Growth Rate: Top 5.8% in tier
  • + Efficiency Ratio: Top 8.2% in tier
  • + Net Charge-Off Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 12.1% in tier
  • - Growth-at-Risk: Bottom 18.8% in tier
  • - Credit Quality Pressure: Bottom 27.4% in tier
  • - Share Certificate Concentration (%): Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 16,964
+6.7% YoY+1.7% QoQ
 +1.3K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 64th in tier
Assets $242.8M
+14.1% YoY+4.1% QoQ
 +$11.5M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 62nd in tier
Loans $190.4M
+10.9% YoY+3.4% QoQ
 +$42.6M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 73rd in tier
Deposits $216.5M
+14.3% YoY+4.0% QoQ
 +$16.2M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 63rd in tier
ROA 1.6%
+24.4% YoY-0.5% QoQ
 +0.8% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 10.6% in tier
NIM 3.1%
+14.3% YoY-0.7% QoQ
 -0.5% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 23.8% in tier
Efficiency Ratio 59.7%
-5.9% YoY-0.1% QoQ
 -17.6% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 8.2% in tier
Delinquency Rate 0.6%
+3.7% YoY+89.5% QoQ
 -0.3 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 45th in tier
Loan To Share 88.0%
-3.0% YoY-0.7% QoQ
 +15.3% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 19.2% in tier
AMR $23,986
+5.6% YoY+2.0% QoQ
 $-378 $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 60th in tier
CD Concentration 49.2%
+9.2% YoY+6.0% QoQ
 +24.7% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 23.7%
-4.6% YoY-3.3% QoQ
 +9.7% 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
#12 of 627 • Top 0.6% in tier

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

Why This Signature
Return on Assets: 1.57%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 6.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#44 of 603 • Top 2.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.65%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.57%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 23.69%
(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 | Rank improving

Wallet Share Momentum

growth
#411 of 1006 • Top 14.9% in tier

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

Why This Signature
AMR Growth (YoY): 5.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#716 of 1006 • Top 26.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.9K
(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 | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#195 of 525 • Bottom 12.1% in tier

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

Why This Signature
Asset Growth (YoY): 14.12%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 23.69%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 6.65%
(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 | Rank improving

Growth-at-Risk

risk
#283 of 446 • Bottom 18.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 10.85%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#678 of 736 • Bottom 27.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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 (8 metrics)

45
Asset Growth Rate
growth
Value: 14.12%
Peer Avg: 4.70%
#45 of 1077 Top 4.1% in 100M-500M tier
48
Deposit Growth Rate
growth
Value: 14.31%
Peer Avg: 4.69%
#48 of 1077 Top 4.4% in 100M-500M tier
63
Member Growth Rate
growth
Value: 6.65%
Peer Avg: 0.72%
#63 of 1077 Top 5.8% in 100M-500M tier
89
Efficiency Ratio
profitability
Value: 59.69%
Peer Avg: 77.28%
#89 of 1077 Top 8.2% in 100M-500M tier
105
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.47%
#105 of 1077 Top 9.7% in 100M-500M tier
114
Return on Assets (ROA)
profitability
Value: 1.57%
Peer Avg: 0.79%
#114 of 1077 Top 10.5% in 100M-500M tier
138
Loan Growth Rate
growth
Value: 10.85%
Peer Avg: 3.45%
#138 of 1077 Top 12.7% in 100M-500M tier
207
Loan-to-Share Ratio
balance_sheet
Value: 87.96%
Peer Avg: 72.70%
#207 of 1077 Top 19.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1059
Share Certificate Concentration (%)
balance_sheet
Value: 49.15%
Peer Avg: 23.61%
#1059 of 1077 Bottom 1.8% in 100M-500M tier
834
Indirect Auto Concentration (%)
balance_sheet
Value: 23.69%
Peer Avg: 13.34%
#834 of 1077 Bottom 22.7% in 100M-500M tier
821
Net Interest Margin (NIM)
profitability
Value: 3.11%
Peer Avg: 3.58%
#821 of 1077 Bottom 23.9% in 100M-500M tier