UTILITIES EMPLOYEES

Charter #64896 | PA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in PA

UTILITIES EMPLOYEES has 10 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.3% in tier
  • + Organic Growth Engine: Top 8.0% in tier
  • + Emerging Performer: Top 12.3% in tier
  • + Strong member growth: 29.0% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Member Growth Rate: Top 0.7% in tier
  • + Asset Growth Rate: Top 4.6% in tier
  • + Members Per Employee (MPE): Top 5.3% in tier
  • + Deposit Growth Rate: Top 5.9% in tier
  • + Net Worth Ratio: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 0.7% in tier
  • - Shrinking Wallet Share: Bottom 1.0% in tier
  • - Liquidity Overhang: Bottom 1.2% in tier
  • - Credit Quality Pressure: Bottom 1.8% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 4.65% above tier (higher cost structure)
  • - Delinquency rate 0.30% above tier average
  • - AMR Growth Rate: Bottom 2.0% in tier
  • - Net Interest Margin (NIM): Bottom 4.9% in tier
  • - Fee Income Per Member: Bottom 5.6% in tier
  • - Loan-to-Share Ratio: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 64,428
+29.0% YoY+0.2% QoQ
 -34.3K 98,678
-1.9% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 18.8% in tier
Assets $1.5B
+13.8% YoY+0.6% QoQ
 $-227.0M $1.7B
+0.5% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 48th in tier
Loans $757.4M
+13.1% YoY+1.9% QoQ
 $-475.7M $1.2B
+0.5% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 10.5% in tier
Deposits $1.2B
+13.9% YoY-0.4% QoQ
 $-207.2M $1.5B
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 47th in tier
ROA 0.3%
+613.3% YoY+12.2% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Bottom 17.8% in tier
NIM 2.2%
+32.7% YoY+2.8% QoQ
 -1.1% 3.3%
+9.3% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 4.6% in tier
Efficiency Ratio 78.6%
-6.9% YoY+1.6% QoQ
 +4.6% 74.0%
-10.9% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 66th in tier
Delinquency Rate 1.1%
+155.2% YoY+155.2% QoQ
 +0.3 0.8%
+6.1% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Top 19.4% in tier
Loan To Share 60.7%
-0.7% YoY+2.3% QoQ
 -24.5% 85.2%
-0.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 6.9% in tier
AMR $31,112
-11.9% YoY+0.2% QoQ
 +$2K $29,172
+2.8% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 35.2%
+2.0% YoY+4.5% QoQ
 +6.2% 29.0%
+0.8% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 21.9% in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#2 of 138 • Top 0.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 29.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Organic Growth Engine

growth
#59 of 246 • Top 8.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 29.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.33%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Emerging Performer

growth
#66 of 184 • Top 12.3% in tier

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

Why This Signature
Return on Assets: 0.33%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 29.04%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Concerns (4)

Growth-at-Risk

risk
#5 of 161 • Bottom 0.7% in tier

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

Why This Signature
Loan Growth (YoY): 13.14%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.68% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Shrinking Wallet Share

decline
#4 of 83 • Bottom 1.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -11.94%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | New qualifier

Liquidity Overhang

risk
#5 of 113 • Bottom 1.2% 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: 15.56%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 60.73%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY

Credit Quality Pressure

risk
#15 of 217 • Bottom 1.8% in tier

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

Why This Signature
Delinquency Change (YoY): 0.68% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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 304 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
3
Member Growth Rate
growth
Value: 29.04%
Peer Avg: 2.20%
#3 of 304 Top 0.7% in 1B-3B tier
15
Asset Growth Rate
growth
Value: 13.76%
Peer Avg: 4.83%
#15 of 304 Top 4.6% in 1B-3B tier
17
Members Per Employee (MPE)
engagement
Value: 507.307
Peer Avg: 364.953
#17 of 304 Top 5.3% in 1B-3B tier
19
Deposit Growth Rate
growth
Value: 13.92%
Peer Avg: 5.58%
#19 of 304 Top 5.9% in 1B-3B tier
21
Net Worth Ratio
risk
Value: 15.56%
Peer Avg: 11.44%
#21 of 304 Top 6.6% in 1B-3B tier
32
Loan Growth Rate
growth
Value: 13.14%
Peer Avg: 5.27%
#32 of 304 Top 10.2% in 1B-3B tier

Top Weaknesses (9 metrics)

299
AMR Growth Rate
growth
Value: -11.94%
Peer Avg: 3.29%
#299 of 304 Bottom 2.0% in 1B-3B tier
290
Net Interest Margin (NIM)
profitability
Value: 2.17%
Peer Avg: 3.26%
#290 of 304 Bottom 4.9% in 1B-3B tier
288
Fee Income Per Member
profitability
Value: $108.85
Peer Avg: $210.52
#288 of 304 Bottom 5.6% in 1B-3B tier
283
Loan-to-Share Ratio
balance_sheet
Value: 60.73%
Peer Avg: 85.19%
#283 of 304 Bottom 7.2% in 1B-3B tier
272
Total Loans
balance_sheet
Value: $757.39M
Peer Avg: $1.23B
#272 of 304 Bottom 10.9% in 1B-3B tier
250
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.70%
#250 of 304 Bottom 18.1% in 1B-3B tier
247
Total Members
engagement
Value: 64,428
Peer Avg: 98,678
#247 of 304 Bottom 19.1% in 1B-3B tier
246
Total Delinquency Rate (60+ days)
risk
Value: 1.12%
Peer Avg: 0.83%
#246 of 304 Bottom 19.4% in 1B-3B tier
243
Share Certificate Concentration (%)
balance_sheet
Value: 35.16%
Peer Avg: 28.53%
#243 of 304 Bottom 20.4% in 1B-3B tier