PENNSYLVANIA STATE EMPLOYEES

Charter #64131 | PA

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

PENNSYLVANIA STATE EMPLOYEES has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 4.3% in tier
  • + Relationship Depth Leader: Top 14.5% in tier
  • + ROA 0.52% above tier average
  • + Net Interest Margin 0.86% above tier average
  • + AMR Growth Rate: Top 3.3% in tier
  • + Members Per Employee (MPE): Top 3.3% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 4.3% in tier
  • - Indirect Auto Dependency: Bottom 6.1% in tier
  • - Membership Headwinds: Bottom 8.7% in tier
  • - Delinquency rate 0.18% above tier average
  • - Member decline: -5.1% YoY
  • - Member Growth Rate: Bottom 6.7% in tier
  • - Net Charge-Off 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 563,709
-5.1% YoY-0.1% QoQ
 +104.4K 459,296
+3.8% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Top 23.3% in tier
Assets $9.0B
+5.3% YoY-0.1% QoQ
 +$76.6M $8.9B
+1.2% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 47th in tier
Loans $6.8B
+3.0% YoY+2.2% QoQ
 +$459.1M $6.3B
+2.9% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $8.0B
+4.4% YoY-0.8% QoQ
 +$514.4M $7.5B
+2.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 63rd in tier
ROA 1.5%
+25.3% YoY+8.7% QoQ
 +0.5% 1.0%
+22.1% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 13.3% in tier
NIM 3.9%
+7.6% YoY+2.4% QoQ
 +0.9% 3.0%
+11.5% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 10.0% in tier
Efficiency Ratio 53.2%
+2.3% YoY-0.9% QoQ
 -10.5% 63.7%
-2.2% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 13.3% in tier
Delinquency Rate 0.8%
-1.0% YoY-2.4% QoQ
 +0.2 0.7%
+10.8% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 85.3%
-1.4% YoY+3.0% QoQ
 -0.1% 85.4%
+0.7% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 40th in tier
AMR $26,199
+9.3% YoY+0.7% QoQ
 $-7K $33,660
-2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 20.0% in tier
CD Concentration 26.1%
-3.2% YoY+4.3% QoQ
 -2.7% 28.9%
-1.3% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 34th in tier
Indirect Auto % 28.9%
+3.1% YoY+1.1% QoQ
 +12.3% 16.6%
-10.3% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Top 18.8% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#6 of 46 • Top 4.3% in tier

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

Why This Signature
AMR Growth (YoY): 9.34%
(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 improving

Relationship Depth Leader

growth
#18 of 46 • Top 14.5% in tier

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

Why This Signature
AMR Growth (YoY): 9.34%
(Tier: 2.82%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(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

Concerns (3)

Stagnation Risk

risk
#2 of 10 • Bottom 4.3% 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: 1.55%
(Tier: 0.91%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -5.11%
(Tier: 3.07%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.2K
(Tier: $34.1K, National: $19.4K)
worse than tier avg
CD Concentration: 26.13%
(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

Indirect Auto Dependency

risk
#7 of 33 • Bottom 6.1% in tier

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

Why This Signature
Asset Growth (YoY): 5.30%
(Tier: 4.60%, National: 3.04%)
but better than tier avg
Indirect Auto %: 28.92%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -5.11%
(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 | Rank improving

Membership Headwinds

decline
#3 of 10 • Bottom 8.7% in tier

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

Why This Signature
Member Growth (YoY): -5.11%
(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

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 (6 metrics)

2
AMR Growth Rate
growth
Value: 9.34%
Peer Avg: 1.77%
#2 of 30 Top 3.3% in 7B-10B tier
2
Members Per Employee (MPE)
engagement
Value: 651.687
Peer Avg: 450.512
#2 of 30 Top 3.3% in 7B-10B tier
3
Net Interest Margin (NIM)
profitability
Value: 3.86%
Peer Avg: 3.00%
#3 of 30 Top 6.7% in 7B-10B tier
4
Return on Assets (ROA)
profitability
Value: 1.55%
Peer Avg: 1.03%
#4 of 30 Top 10.0% in 7B-10B tier
5
Efficiency Ratio
profitability
Value: 53.19%
Peer Avg: 63.73%
#5 of 30 Top 13.3% in 7B-10B tier
7
Total Members
engagement
Value: 563,709
Peer Avg: 459,296
#7 of 30 Top 20.0% in 7B-10B tier

Top Weaknesses (5 metrics)

29
Member Growth Rate
growth
Value: -5.11%
Peer Avg: 2.85%
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Net Charge-Off Rate
risk
Value: 1.01%
Peer Avg: 0.56%
#28 of 30 Bottom 10.0% in 7B-10B tier
24
Fee Income Per Member
profitability
Value: $146.70
Peer Avg: $199.46
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Indirect Auto Concentration (%)
balance_sheet
Value: 28.92%
Peer Avg: 18.85%
#24 of 30 Bottom 23.3% in 7B-10B tier
24
Average Member Relationship (AMR)
engagement
Value: $26,199
Peer Avg: $33,660
#24 of 30 Bottom 23.3% in 7B-10B tier