PFCU

Charter #68690 | MI

750M-1B (112 CUs) Community (281 CUs)
9 750M-1B in MI

PFCU has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 27.5% in tier
  • + Organic Growth Engine: Top 27.6% in tier
  • + Wallet Share Momentum: Top 29.7% in tier
  • + ROA 0.08% above tier average
  • + Net Interest Margin 0.59% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 18.7% in tier
  • - Growth-at-Risk: Bottom 22.0% in tier
  • - Credit Quality Pressure: Bottom 26.2% in tier
  • - Efficiency ratio 4.24% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MI) National Avg Tier Percentile
Members 56,814
+1.7% YoY+0.8% QoQ
 +4.7K 52,114
-2.1% YoY
 35,456
+8.6% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $819.9M
+2.4% YoY-0.3% QoQ
 $-39.2M $859.0M
+0.0% YoY
 $650.8M
+12.6% YoY
 $547.7M
+7.8% YoY
 35th in tier
Loans $541.9M
+7.8% YoY+2.9% QoQ
 $-61.5M $603.4M
+1.0% YoY
 $461.6M
+14.9% YoY
 $388.7M
+8.6% YoY
 26th in tier
Deposits $727.1M
+1.4% YoY-0.8% QoQ
 $-7.1M $734.2M
+0.9% YoY
 $550.3M
+12.5% YoY
 $464.6M
+9.3% YoY
 48th in tier
ROA 0.8%
+42.3% YoY+47.7% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.8%
-27.1% YoY
 0.7%
+273.4% YoY
 59th in tier
NIM 4.0%
+14.2% YoY+3.5% QoQ
 +0.6% 3.4%
+9.6% YoY
 3.7%
+8.5% YoY
 3.7%
+5.0% YoY
 Top 15.2% in tier
Efficiency Ratio 78.8%
-4.5% YoY-3.8% QoQ
 +4.2% 74.5%
-3.2% YoY
 76.1%
-1.3% YoY
 79.1%
-3.3% YoY
 62nd in tier
Delinquency Rate 0.5%
+5.9% YoY+14.7% QoQ
 -0.3 0.8%
+5.0% YoY
 0.9%
-19.7% YoY
 1.2%
-0.9% YoY
 34th in tier
Loan To Share 74.5%
+6.3% YoY+3.7% QoQ
 -8.1% 82.7%
+0.1% YoY
 68.1%
+0.3% YoY
 68.0%
-1.7% YoY
 26th in tier
AMR $22,335
+2.3% YoY-0.0% QoQ
 $-6K $28,651
+2.5% YoY
 $22,054
+2.5% YoY
 $19,418
+1.3% YoY
 32nd in tier
CD Concentration 16.6%
-11.8% YoY+2.6% QoQ
 -7.8% 24.4%
+4.2% YoY
 18.6%
+6.0% YoY
 19.6%
+6.2% YoY
 Bottom 23.2% in tier
Indirect Auto % 34.6%
+3.4% YoY+3.4% QoQ
 +20.7% 14.0%
-5.8% YoY
 11.9%
-2.7% YoY
 7.9%
-2.9% YoY
 Top 13.0% in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#758 of 1006 • Top 27.5% in tier

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

Why This Signature
AMR Growth (YoY): 2.28%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.7K
(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

Organic Growth Engine

growth
#506 of 603 • Top 27.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.70%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.79%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 34.62%
(Tier: 13.96%, National: 7.90%)
but worse 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
#820 of 1006 • Top 29.7% in tier

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

Why This Signature
AMR Growth (YoY): 2.28%
(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

Concerns (3)

Indirect Auto Dependency

risk
#302 of 525 • Bottom 18.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 2.38%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 34.62%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.70%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Growth-at-Risk

risk
#330 of 446 • Bottom 22.0% in tier

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

Why This Signature
Loan Growth (YoY): 7.75%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.03% 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

Credit Quality Pressure

risk
#650 of 736 • Bottom 26.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.03% 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 | 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 112 peers in tier

Top Strengths (2 metrics)

13
Share Certificate Concentration (%)
balance_sheet
Value: 16.62%
Peer Avg: 28.34%
#13 of 112 Top 10.7% in 750M-1B tier
17
Net Interest Margin (NIM)
profitability
Value: 3.97%
Peer Avg: 3.38%
#17 of 112 Top 14.3% in 750M-1B tier

Top Weaknesses (2 metrics)

96
Indirect Auto Concentration (%)
balance_sheet
Value: 34.62%
Peer Avg: 16.60%
#96 of 112 Bottom 15.2% in 750M-1B tier
92
Deposit Growth Rate
growth
Value: 1.40%
Peer Avg: 5.03%
#92 of 112 Bottom 18.8% in 750M-1B tier