BERYLCO EMPLOYEES'
Charter #62656 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
BERYLCO EMPLOYEES' has 7 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.5% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Efficiency ratio 7.16% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Total Members: Bottom 2.3% in tier
- - Deposit Growth Rate: Bottom 2.3% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Loans: Bottom 4.9% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Total Assets: Bottom 8.4% in tier
- - Net Interest Margin (NIM): Bottom 9.6% in tier
- - Asset Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130
-5.1% YoY-2.3% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 2.2% in tier |
| Assets |
$1.7M
-7.0% YoY-2.5% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.3% in tier |
| Loans |
$267,921
+38.0% YoY-5.3% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.9% in tier |
| Deposits |
$691,862
-16.3% YoY-6.4% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.4% in tier |
| ROA |
0.3%
+12.7% YoY+34.7% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
28th in tier |
| NIM |
2.6%
+8.0% YoY+3.9% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio |
88.6%
-0.5% YoY-2.9% QoQ
|
+7.2% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
74th in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
38.7%
+64.8% YoY+1.1% QoQ
|
-22.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 17.5% in tier |
| AMR |
$7,383
-0.9% YoY-3.9% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 16.5% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
14
Net Worth Ratio
risk
Value:
59.40%
Peer Avg: 16.43%
#14 of 2596
Top 0.5% in <100M tier
19
Loan Growth Rate
growth
Value:
37.96%
Peer Avg: 59.01%
#19 of 2596
Top 0.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (13 metrics)
2537
Total Members
engagement
Value:
130
Peer Avg: 2,626
#2537 of 2596
Bottom 2.3% in <100M tier
2536
Deposit Growth Rate
growth
Value:
-16.27%
Peer Avg: 16.80%
#2536 of 2596
Bottom 2.3% in <100M tier
2504
Members Per Employee (MPE)
engagement
Value:
43.333
Peer Avg: 365.701
#2504 of 2596
Bottom 3.6% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2470
Total Loans
balance_sheet
Value:
$267,921
Peer Avg: $15.77M
#2470 of 2596
Bottom 4.9% in <100M tier
2456
Total Deposits
balance_sheet
Value:
$691,862
Peer Avg: $25.45M
#2456 of 2596
Bottom 5.4% in <100M tier
2380
Total Assets
balance_sheet
Value:
$1.72M
Peer Avg: $29.86M
#2380 of 2596
Bottom 8.4% in <100M tier
2348
Net Interest Margin (NIM)
profitability
Value:
2.63%
Peer Avg: 3.93%
#2348 of 2596
Bottom 9.6% in <100M tier
2347
Asset Growth Rate
growth
Value:
-6.96%
Peer Avg: 1.82%
#2347 of 2596
Bottom 9.6% in <100M tier
2250
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,061
Peer Avg: $5,488
#2250 of 2596
Bottom 13.4% in <100M tier