BENCHMARK

Charter #3738 | PA

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

BENCHMARK has 4 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 19.2% in tier
  • + Wallet Share Momentum: Top 35.8% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.8% in tier
  • + Average Member Relationship (AMR): Top 1.9% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 1.7% in tier
  • - Efficiency Drag: Bottom 4.4% in tier
  • - Membership Headwinds: Bottom 5.2% in tier
  • - Stagnation Risk: Bottom 9.9% in tier
  • - Credit Quality Pressure: Bottom 25.3% in tier
  • - ROA 0.76% below tier average
  • - Efficiency ratio 21.34% above tier (higher cost structure)
  • - Member decline: -6.0% YoY
  • - Net Interest Margin (NIM): Bottom 1.6% in tier
  • - Loan Growth Rate: Bottom 4.0% in tier
  • - First Mortgage Concentration (%): Bottom 5.8% in tier
  • - Member Growth Rate: Bottom 7.1% in tier
  • - Share Certificate Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 9,330
-6.0% YoY-1.0% QoQ
 -6.3K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 25.0% in tier
Assets $297.8M
-0.9% YoY-3.4% QoQ
 +$66.5M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 72nd in tier
Loans $223.8M
-9.7% YoY-4.9% QoQ
 +$76.0M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Top 19.2% in tier
Deposits $251.8M
-1.1% YoY-4.3% QoQ
 +$51.6M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 0.0%
-243.7% YoY-110.2% QoQ
 -0.8% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Bottom 7.5% in tier
NIM 1.8%
-2.4% YoY+2.9% QoQ
 -1.7% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 1.5% in tier
Efficiency Ratio 98.6%
+2.0% YoY-9.7% QoQ
 +21.3% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 2.9% in tier
Delinquency Rate 0.4%
+11.8% YoY+226.4% QoQ
 -0.5 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 23.5% in tier
Loan To Share 88.8%
-8.7% YoY-0.6% QoQ
 +16.1% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Top 17.6% in tier
AMR $50,975
+0.7% YoY-3.5% QoQ
 +$27K $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Top 2.0% in tier
CD Concentration 38.8%
+0.9% YoY+3.2% QoQ
 +14.4% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 6.3%
+35.0% YoY-1.3% QoQ
 -7.7% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#530 of 1006 • Top 19.2% in tier

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

Why This Signature
AMR Growth (YoY): 0.68%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#987 of 1006 • Top 35.8% in tier

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

Why This Signature
AMR Growth (YoY): 0.68%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Institutional Decline

decline
#14 of 256 • Bottom 1.7% in tier

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

Why This Signature
Total Assets: $297.75M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -6.00%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -9.75%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Efficiency Drag

risk
#78 of 521 • Bottom 4.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 98.62%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.04% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -6.00%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#87 of 550 • Bottom 5.2% in tier

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

Why This Signature
Member Growth (YoY): -6.00%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#164 of 550 • Bottom 9.9% 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: 0.03%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -6.00%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $51.0K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 38.84%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#627 of 736 • Bottom 25.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% 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 (6 metrics)

20
Loan-to-Member Ratio (LMR)
engagement
Value: $23,982
Peer Avg: $10,245
#20 of 1077 Top 1.8% in 100M-500M tier
22
Average Member Relationship (AMR)
engagement
Value: $50,975
Peer Avg: $24,363
#22 of 1077 Top 1.9% in 100M-500M tier
150
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#150 of 1077 Top 13.8% in 100M-500M tier
190
Loan-to-Share Ratio
balance_sheet
Value: 88.85%
Peer Avg: 72.70%
#190 of 1077 Top 17.5% in 100M-500M tier
207
Total Loans
balance_sheet
Value: $223.75M
Peer Avg: $147.80M
#207 of 1077 Top 19.1% in 100M-500M tier
254
Total Delinquency Rate (60+ days)
risk
Value: 0.36%
Peer Avg: 0.86%
#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1061
Net Interest Margin (NIM)
profitability
Value: 1.84%
Peer Avg: 3.58%
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1047
Efficiency Ratio
profitability
Value: 98.62%
Peer Avg: 77.28%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1035
Loan Growth Rate
growth
Value: -9.75%
Peer Avg: 3.45%
#1035 of 1077 Bottom 4.0% in 100M-500M tier
1015
First Mortgage Concentration (%)
balance_sheet
Value: 60.54%
Peer Avg: 30.43%
#1015 of 1077 Bottom 5.8% in 100M-500M tier
1001
Member Growth Rate
growth
Value: -6.00%
Peer Avg: 0.72%
#1001 of 1077 Bottom 7.1% in 100M-500M tier
996
Return on Assets (ROA)
profitability
Value: 0.03%
Peer Avg: 0.79%
#996 of 1077 Bottom 7.6% in 100M-500M tier
976
Share Certificate Concentration (%)
balance_sheet
Value: 38.84%
Peer Avg: 23.61%
#976 of 1077 Bottom 9.5% in 100M-500M tier
944
Deposit Growth Rate
growth
Value: -1.11%
Peer Avg: 4.69%
#944 of 1077 Bottom 12.4% in 100M-500M tier
923
Asset Growth Rate
growth
Value: -0.86%
Peer Avg: 4.70%
#923 of 1077 Bottom 14.4% in 100M-500M tier
875
Members Per Employee (MPE)
engagement
Value: 252.162
Peer Avg: 332.881
#875 of 1077 Bottom 18.8% in 100M-500M tier