SAINT NORBERT'S
Charter #65564 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
SAINT NORBERT'S has 5 strengths but faces 18 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 4.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 31.85% above tier (higher cost structure)
- - Delinquency rate 2.65% above tier average
- - Member decline: -19.8% YoY
- - Total Members: Bottom 0.6% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
- - Member Growth Rate: Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Total Assets: Bottom 1.9% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 5.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65
-19.8% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.5% in tier |
| Assets |
$313,313
-9.6% YoY+0.1% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.8% in tier |
| Loans |
$11,329
-43.9% YoY-10.9% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.2% in tier |
| Deposits |
$208,297
-13.4% YoY0% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.8% in tier |
| ROA |
-0.4%
-48.3% YoY-38.6% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.7% in tier |
| NIM |
3.1%
+53.2% YoY-24.2% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 22.4% in tier |
| Efficiency Ratio |
113.2%
-18.7% YoY-2.7% QoQ
|
+31.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.5% in tier |
| Delinquency Rate |
4.2%
+12.3% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 7.9% in tier |
| Loan To Share |
5.4%
-35.2% YoY-10.9% QoQ
|
-55.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$3,379
+5.0% YoY-0.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.3% 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 (5 metrics)
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
110
Net Worth Ratio
risk
Value:
33.27%
Peer Avg: 16.43%
#110 of 2596
Top 4.2% 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 (17 metrics)
2582
Total Members
engagement
Value:
65
Peer Avg: 2,626
#2582 of 2596
Bottom 0.6% in <100M tier
2566
Loan-to-Share Ratio
balance_sheet
Value:
5.44%
Peer Avg: 61.23%
#2566 of 2596
Bottom 1.2% in <100M tier
2565
Total Loans
balance_sheet
Value:
$11,329
Peer Avg: $15.77M
#2565 of 2596
Bottom 1.2% in <100M tier
2559
Loan Growth Rate
growth
Value:
-43.90%
Peer Avg: 59.01%
#2559 of 2596
Bottom 1.5% in <100M tier
2555
Member Growth Rate
growth
Value:
-19.75%
Peer Avg: 14.92%
#2555 of 2596
Bottom 1.6% in <100M tier
2551
Loan-to-Member Ratio (LMR)
engagement
Value:
$174.29
Peer Avg: $5,488
#2551 of 2596
Bottom 1.8% in <100M tier
2550
Total Deposits
balance_sheet
Value:
$208,297
Peer Avg: $25.45M
#2550 of 2596
Bottom 1.8% in <100M tier
2548
Total Assets
balance_sheet
Value:
$313,313
Peer Avg: $29.86M
#2548 of 2596
Bottom 1.9% 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
2490
Deposit Growth Rate
growth
Value:
-13.38%
Peer Avg: 16.80%
#2490 of 2596
Bottom 4.1% in <100M tier