PCM

Charter #66424 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

PCM has 10 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 10.6% in tier
  • + Wallet Share Momentum: Top 13.2% in tier
  • + Organic Growth Leader: Top 16.4% in tier
  • + Organic Growth Engine: Top 19.5% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Assets: Top 0.2% in tier
  • + Total Loans: Top 1.5% in tier
  • + Loan-to-Member Ratio (LMR): Top 1.9% in tier
  • + Average Member Relationship (AMR): Top 2.2% in tier
  • + Total Deposits: Top 3.8% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 10.0% in tier
  • - Credit Quality Pressure: Bottom 16.3% in tier
  • - Liquidity Strain: Bottom 26.6% in tier
  • - ROA 0.18% below tier average
  • - First Mortgage Concentration (%): Bottom 1.6% in tier
  • - Net Interest Margin (NIM): Bottom 2.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 15,308
+2.5% YoY+0.7% QoQ
 -320 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 58th in tier
Assets $498.3M
+7.1% YoY+2.3% QoQ
 +$267.0M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 Top 0.3% in tier
Loans $357.3M
+9.1% YoY+3.0% QoQ
 +$209.5M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 Top 1.6% in tier
Deposits $396.9M
+8.3% YoY+2.8% QoQ
 +$196.6M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 Top 3.9% in tier
ROA 0.6%
+126.0% YoY+17.5% QoQ
 -0.2% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 40th in tier
NIM 1.9%
+19.0% YoY+2.4% QoQ
 -1.6% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 Bottom 2.1% in tier
Efficiency Ratio 70.5%
-12.1% YoY-2.3% QoQ
 -6.7% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 27th in tier
Delinquency Rate 0.5%
+46.7% YoY+5.9% QoQ
 -0.3 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 39th in tier
Loan To Share 90.0%
+0.7% YoY+0.2% QoQ
 +17.3% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 Top 15.5% in tier
AMR $49,267
+6.1% YoY+2.2% QoQ
 +$25K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Top 2.3% in tier
CD Concentration 37.9%
+1.9% YoY+5.5% QoQ
 +13.5% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#292 of 1006 • Top 10.6% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#364 of 1006 • Top 13.2% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#217 of 430 • Top 16.4% in tier

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

Why This Signature
Member Growth (YoY): 2.47%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#359 of 603 • Top 19.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.47%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.61%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Growth-at-Risk

risk
#150 of 446 • Bottom 10.0% in tier

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

Why This Signature
Loan Growth (YoY): 9.09%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#403 of 736 • Bottom 16.3% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% 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 | Rank improving

Liquidity Strain

risk
#207 of 258 • Bottom 26.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.03%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 9.09%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 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 1077 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
3
Total Assets
balance_sheet
Value: $498.32M
Peer Avg: $231.30M
#3 of 1077 Top 0.2% in 100M-500M tier
17
Total Loans
balance_sheet
Value: $357.31M
Peer Avg: $147.80M
#17 of 1077 Top 1.5% in 100M-500M tier
22
Loan-to-Member Ratio (LMR)
engagement
Value: $23,341
Peer Avg: $10,245
#22 of 1077 Top 1.9% in 100M-500M tier
25
Average Member Relationship (AMR)
engagement
Value: $49,267
Peer Avg: $24,363
#25 of 1077 Top 2.2% in 100M-500M tier
42
Total Deposits
balance_sheet
Value: $396.87M
Peer Avg: $200.29M
#42 of 1077 Top 3.8% in 100M-500M tier
163
Net Charge-Off Rate
risk
Value: 0.10%
Peer Avg: 0.47%
#163 of 1077 Top 15.0% in 100M-500M tier
167
Loan-to-Share Ratio
balance_sheet
Value: 90.03%
Peer Avg: 72.70%
#167 of 1077 Top 15.4% in 100M-500M tier
194
Loan Growth Rate
growth
Value: 9.09%
Peer Avg: 3.45%
#194 of 1077 Top 17.9% in 100M-500M tier
199
Deposit Growth Rate
growth
Value: 8.32%
Peer Avg: 4.69%
#199 of 1077 Top 18.4% in 100M-500M tier

Top Weaknesses (3 metrics)

1061
First Mortgage Concentration (%)
balance_sheet
Value: 72.09%
Peer Avg: 30.43%
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1054
Net Interest Margin (NIM)
profitability
Value: 1.94%
Peer Avg: 3.58%
#1054 of 1077 Bottom 2.2% in 100M-500M tier
967
Share Certificate Concentration (%)
balance_sheet
Value: 37.86%
Peer Avg: 23.61%
#967 of 1077 Bottom 10.3% in 100M-500M tier