PAHO/WHO

Charter #6464 | VA

100M-500M (1077 CUs) Micro
25 100M-500M in VA

PAHO/WHO has 6 strengths but faces 17 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.2% in tier
  • + Wallet Share Momentum: Top 2.7% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 1.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 2.4% in tier
  • + AMR Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.1% in tier
  • - Membership Headwinds: Bottom 1.2% in tier
  • - Institutional Decline: Bottom 1.4% in tier
  • - Stagnation Risk: Bottom 6.3% in tier
  • - Liquidity Overhang: Bottom 8.4% in tier
  • - Efficiency Drag: Bottom 11.0% in tier
  • - ROA 0.67% below tier average
  • - Efficiency ratio 12.81% above tier (higher cost structure)
  • - Delinquency rate 0.59% above tier average
  • - Member decline: -13.4% YoY
  • - First Mortgage Concentration (%): Bottom 0.2% in tier
  • - Member Growth Rate: Bottom 2.1% in tier
  • - Asset Growth Rate: Bottom 2.9% in tier
  • - Members Per Employee (MPE): Bottom 3.6% in tier
  • - Share Certificate Concentration (%): Bottom 5.0% in tier
  • - Loan Growth Rate: Bottom 9.6% in tier
  • - Net Interest Margin (NIM): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 7,084
-13.4% YoY-1.9% QoQ
 -8.5K 15,628
-3.4% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Bottom 10.6% in tier
Assets $321.0M
-5.9% YoY-0.1% QoQ
 +$89.7M $231.3M
-0.0% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Top 23.4% in tier
Loans $158.6M
-6.2% YoY-2.7% QoQ
 +$10.8M $147.8M
-1.4% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 63rd in tier
Deposits $271.3M
-0.4% YoY-0.6% QoQ
 +$71.0M $200.3M
-0.0% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Top 24.2% in tier
ROA 0.1%
-28.7% YoY+27911.0% QoQ
 -0.7% 0.8%
+15.5% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 10.1% in tier
NIM 2.7%
+12.1% YoY+5.5% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 Bottom 9.8% in tier
Efficiency Ratio 90.1%
+4.0% YoY-5.2% QoQ
 +12.8% 77.3%
-3.0% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 Top 10.5% in tier
Delinquency Rate 1.4%
+467.6% YoY+81.7% QoQ
 +0.6 0.9%
+7.6% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 15.8% in tier
Loan To Share 58.4%
-5.8% YoY-2.2% QoQ
 -14.3% 72.7%
-1.5% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 Bottom 19.2% in tier
AMR $60,683
+12.5% YoY+0.5% QoQ
 +$36K $24,363
+2.9% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Top 1.2% in tier
CD Concentration 42.0%
+6.5% YoY+1.5% QoQ
 +17.6% 24.4%
+4.2% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#6 of 1006 • Top 0.2% in tier

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

Why This Signature
AMR Growth (YoY): 12.51%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#75 of 1006 • Top 2.7% in tier

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

Why This Signature
AMR Growth (YoY): 12.51%
(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

Concerns (6)

Credit Quality Pressure

risk
#28 of 736 • Bottom 1.1% in tier

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

Why This Signature
Delinquency Change (YoY): 1.19% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline
#21 of 550 • Bottom 1.2% in tier

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

Why This Signature
Member Growth (YoY): -13.42%
(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 | New qualifier

Institutional Decline

decline
#12 of 256 • Bottom 1.4% in tier

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

Why This Signature
Total Assets: $321.02M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -13.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.16%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk
#104 of 550 • Bottom 6.3% 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: 0.11%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -13.42%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $60.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 42.03%
(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 | New qualifier

Liquidity Overhang

risk
#131 of 552 • Bottom 8.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.27%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.44%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Efficiency Drag

risk
#194 of 521 • Bottom 11.0% in tier

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

Why This Signature
Efficiency Ratio: 90.08%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.05% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -13.42%
(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

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)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
13
Average Member Relationship (AMR)
engagement
Value: $60,683
Peer Avg: $24,363
#13 of 1077 Top 1.1% in 100M-500M tier
27
Loan-to-Member Ratio (LMR)
engagement
Value: $22,383
Peer Avg: $10,245
#27 of 1077 Top 2.4% in 100M-500M tier
60
AMR Growth Rate
growth
Value: 12.51%
Peer Avg: 3.64%
#60 of 1077 Top 5.5% in 100M-500M tier
209
Net Worth Ratio
risk
Value: 14.27%
Peer Avg: 12.15%
#209 of 1077 Top 19.3% in 100M-500M tier
252
Total Assets
balance_sheet
Value: $321.02M
Peer Avg: $231.30M
#252 of 1077 Top 23.3% in 100M-500M tier
261
Total Deposits
balance_sheet
Value: $271.32M
Peer Avg: $200.29M
#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1076
First Mortgage Concentration (%)
balance_sheet
Value: 84.18%
Peer Avg: 30.43%
#1076 of 1077 Bottom 0.2% in 100M-500M tier
1055
Member Growth Rate
growth
Value: -13.42%
Peer Avg: 0.72%
#1055 of 1077 Bottom 2.1% in 100M-500M tier
1047
Asset Growth Rate
growth
Value: -5.89%
Peer Avg: 4.70%
#1047 of 1077 Bottom 2.9% in 100M-500M tier
1039
Members Per Employee (MPE)
engagement
Value: 196.778
Peer Avg: 332.881
#1039 of 1077 Bottom 3.6% in 100M-500M tier
1024
Share Certificate Concentration (%)
balance_sheet
Value: 42.03%
Peer Avg: 23.61%
#1024 of 1077 Bottom 5.0% in 100M-500M tier
975
Loan Growth Rate
growth
Value: -6.16%
Peer Avg: 3.45%
#975 of 1077 Bottom 9.6% in 100M-500M tier
971
Net Interest Margin (NIM)
profitability
Value: 2.71%
Peer Avg: 3.58%
#971 of 1077 Bottom 9.9% in 100M-500M tier
968
Return on Assets (ROA)
profitability
Value: 0.11%
Peer Avg: 0.79%
#968 of 1077 Bottom 10.2% in 100M-500M tier
965
Efficiency Ratio
profitability
Value: 90.08%
Peer Avg: 77.28%
#965 of 1077 Bottom 10.5% in 100M-500M tier
963
Total Members
engagement
Value: 7,084
Peer Avg: 15,628
#963 of 1077 Bottom 10.7% in 100M-500M tier