DIAMOND

Charter #68241 | PA

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

DIAMOND has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 5.9% in tier
  • + Organic Growth Engine: Top 8.8% in tier
  • + Wallet Share Momentum: Top 15.0% in tier
  • + Relationship Depth Leader: Top 15.2% in tier
  • + Organic Growth Leader: Top 21.2% in tier
  • + ROA 0.36% above tier average
  • + Fee Income Per Member: Top 2.6% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 19.7% in tier
  • - Growth-at-Risk: Bottom 19.8% in tier
  • - Efficiency ratio 1.43% above tier (higher cost structure)
  • - Total Loans: Bottom 4.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 69,963
+2.7% YoY+1.0% QoQ
 -28.7K 98,678
-1.9% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $1.1B
+9.4% YoY+0.9% QoQ
 $-581.7M $1.7B
+0.5% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 15.5% in tier
Loans $668.8M
+7.1% YoY+3.8% QoQ
 $-564.3M $1.2B
+0.5% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 4.6% in tier
Deposits $1.0B
+8.9% YoY+0.4% QoQ
 $-450.1M $1.5B
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Bottom 19.1% in tier
ROA 1.1%
+39.6% YoY-10.3% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Top 19.1% in tier
NIM 3.0%
+8.1% YoY+1.8% QoQ
 -0.2% 3.3%
+9.3% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 29th in tier
Efficiency Ratio 75.4%
-6.2% YoY+3.5% QoQ
 +1.4% 74.0%
-10.9% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 55th in tier
Delinquency Rate 0.3%
+24.6% YoY+28.0% QoQ
 -0.5 0.8%
+6.1% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 13.5% in tier
Loan To Share 66.6%
-1.7% YoY+3.4% QoQ
 -18.6% 85.2%
-0.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 13.8% in tier
AMR $23,913
+5.4% YoY+0.7% QoQ
 $-5K $29,172
+2.8% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 28th in tier
CD Concentration 28.0%
+5.5% YoY+1.6% QoQ
 -0.9% 29.0%
+0.8% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 46th in tier
Indirect Auto % 0.0%
-78.5% YoY-30.9% QoQ
 -18.8% 18.8%
-2.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Bottom 12.7% in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#32 of 184 • Top 5.9% in tier

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

Why This Signature
Return on Assets: 1.06%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.71%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#65 of 246 • Top 8.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.71%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.06%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.04%
(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

Wallet Share Momentum

growth
#109 of 264 • Top 15.0% in tier

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

Why This Signature
AMR Growth (YoY): 5.36%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#111 of 264 • Top 15.2% in tier

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

Why This Signature
AMR Growth (YoY): 5.36%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Leader

growth
#84 of 138 • Top 21.2% in tier

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

Why This Signature
Member Growth (YoY): 2.71%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk
#152 of 217 • Bottom 19.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#111 of 161 • Bottom 19.8% in tier

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

Why This Signature
Loan Growth (YoY): 7.13%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 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)

9
Fee Income Per Member
profitability
Value: $384.71
Peer Avg: $210.52
#9 of 304 Top 2.6% in 1B-3B tier
42
Total Delinquency Rate (60+ days)
risk
Value: 0.31%
Peer Avg: 0.83%
#42 of 304 Top 13.5% in 1B-3B tier
44
Indirect Auto Concentration (%)
balance_sheet
Value: 0.04%
Peer Avg: 18.32%
#44 of 304 Top 14.1% in 1B-3B tier
51
Asset Growth Rate
growth
Value: 9.37%
Peer Avg: 4.83%
#51 of 304 Top 16.4% in 1B-3B tier
55
Deposit Growth Rate
growth
Value: 8.94%
Peer Avg: 5.58%
#55 of 304 Top 17.8% in 1B-3B tier
58
Return on Assets (ROA)
profitability
Value: 1.06%
Peer Avg: 0.70%
#58 of 304 Top 18.8% in 1B-3B tier
71
Net Charge-Off Rate
risk
Value: 0.31%
Peer Avg: 0.60%
#71 of 304 Top 23.0% in 1B-3B tier

Top Weaknesses (5 metrics)

290
Total Loans
balance_sheet
Value: $668.76M
Peer Avg: $1.23B
#290 of 304 Bottom 4.9% in 1B-3B tier
262
Loan-to-Share Ratio
balance_sheet
Value: 66.59%
Peer Avg: 85.19%
#262 of 304 Bottom 14.1% in 1B-3B tier
257
Total Assets
balance_sheet
Value: $1.14B
Peer Avg: $1.72B
#257 of 304 Bottom 15.8% in 1B-3B tier
256
Loan-to-Member Ratio (LMR)
engagement
Value: $9,559
Peer Avg: $13,213
#256 of 304 Bottom 16.1% in 1B-3B tier
246
Total Deposits
balance_sheet
Value: $1.00B
Peer Avg: $1.45B
#246 of 304 Bottom 19.4% in 1B-3B tier