ARMCO

Charter #65291 | PA

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in PA

ARMCO has 11 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 2.3% in tier
  • + Organic Growth Engine: Top 3.7% in tier
  • + Wallet Share Momentum: Top 24.3% in tier
  • + Relationship Depth Leader: Top 31.1% in tier
  • + ROA 0.22% above tier average
  • + Strong member growth: 9.7% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Deposit Growth Rate: Top 3.0% in tier
  • + Asset Growth Rate: Top 3.6% in tier
  • + Net Charge-Off Rate: Top 4.7% in tier
  • + Member Growth Rate: Top 5.9% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 16.7% in tier
  • - Growth-at-Risk: Bottom 24.1% in tier
  • - Liquidity Overhang: Bottom 27.3% in tier
  • - Credit Quality Pressure: Bottom 28.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 45,634
+9.7% YoY+0.5% QoQ
 +5.9K 39,752
-2.7% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $700.5M
+18.0% YoY+1.3% QoQ
 +$78.2M $622.4M
+0.3% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Top 22.5% in tier
Loans $460.2M
+7.0% YoY-0.2% QoQ
 +$24.2M $435.9M
-0.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 62nd in tier
Deposits $606.9M
+18.7% YoY+0.9% QoQ
 +$68.9M $538.0M
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 19.5% in tier
ROA 0.9%
-22.3% YoY+17.0% QoQ
 +0.2% 0.7%
+33.9% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 2.7%
-4.2% YoY+0.2% QoQ
 -0.8% 3.4%
+8.6% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 9.5% in tier
Efficiency Ratio 72.1%
+5.2% YoY-2.6% QoQ
 -6.0% 78.1%
-3.4% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 21.9% in tier
Delinquency Rate 0.5%
+2.1% YoY+25.9% QoQ
 -0.3 0.8%
-4.9% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 32nd in tier
Loan To Share 75.8%
-9.9% YoY-1.1% QoQ
 -5.2% 81.0%
-1.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $23,384
+3.3% YoY-0.1% QoQ
 $-3K $26,482
+2.6% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 40th in tier
CD Concentration 32.2%
+15.4% YoY+3.0% QoQ
 +7.8% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 22.9% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#32 of 430 • Top 2.3% in tier

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

Why This Signature
Member Growth (YoY): 9.69%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#69 of 603 • Top 3.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 9.69%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.88%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#671 of 1006 • Top 24.3% in tier

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

Why This Signature
AMR Growth (YoY): 3.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#858 of 1006 • Top 31.1% in tier

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

Why This Signature
AMR Growth (YoY): 3.30%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (4)

Margin Compression

decline
#71 of 136 • Bottom 16.7% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.88%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.25% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $700.54M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
136 of 281 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Growth-at-Risk

risk
#362 of 446 • Bottom 24.1% in tier

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

Why This Signature
Loan Growth (YoY): 6.97%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#423 of 552 • Bottom 27.3% 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: 12.70%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 75.82%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#711 of 736 • Bottom 28.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 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 169 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
6
Deposit Growth Rate
growth
Value: 18.66%
Peer Avg: 5.25%
#6 of 169 Top 3.0% in 500M-750M tier
7
Asset Growth Rate
growth
Value: 17.98%
Peer Avg: 4.33%
#7 of 169 Top 3.6% in 500M-750M tier
9
Net Charge-Off Rate
risk
Value: 0.06%
Peer Avg: 0.51%
#9 of 169 Top 4.7% in 500M-750M tier
11
Member Growth Rate
growth
Value: 9.69%
Peer Avg: 1.75%
#11 of 169 Top 5.9% in 500M-750M tier
26
Members Per Employee (MPE)
engagement
Value: 418.661
Peer Avg: 338.010
#26 of 169 Top 14.8% in 500M-750M tier
33
Total Deposits
balance_sheet
Value: $606.90M
Peer Avg: $538.02M
#33 of 169 Top 18.9% in 500M-750M tier
34
Net Worth Ratio
risk
Value: 12.70%
Peer Avg: 10.94%
#34 of 169 Top 19.5% in 500M-750M tier
38
Efficiency Ratio
profitability
Value: 72.06%
Peer Avg: 78.10%
#38 of 169 Top 21.9% in 500M-750M tier
38
Total Assets
balance_sheet
Value: $700.54M
Peer Avg: $622.38M
#38 of 169 Top 21.9% in 500M-750M tier

Top Weaknesses (3 metrics)

153
Net Interest Margin (NIM)
profitability
Value: 2.66%
Peer Avg: 3.43%
#153 of 169 Bottom 10.1% in 500M-750M tier
151
Fee Income Per Member
profitability
Value: $124.71
Peer Avg: $199.27
#151 of 169 Bottom 11.2% in 500M-750M tier
129
Share Certificate Concentration (%)
balance_sheet
Value: 32.17%
Peer Avg: 26.87%
#129 of 169 Bottom 24.3% in 500M-750M tier