PHILADELPHIA

Charter #7238 | PA

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

PHILADELPHIA has 4 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 6.4% in tier
  • + Relationship Depth Leader: Top 10.4% in tier
  • + Organic Growth Engine: Top 29.0% in tier
  • + Organic Growth Leader: Top 31.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 12.2% in tier
  • - ROA 0.08% below tier average
  • - Delinquency rate 0.21% above tier average

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 121,533
+1.1% YoY+0.6% QoQ
 +22.9K 98,678
-1.9% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 73rd in tier
Assets $1.9B
+9.1% YoY+0.5% QoQ
 +$142.8M $1.7B
+0.5% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 64th in tier
Loans $1.2B
+11.3% YoY+3.5% QoQ
 $-29.2M $1.2B
+0.5% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 59th in tier
Deposits $1.6B
+8.5% YoY-0.2% QoQ
 +$169.7M $1.5B
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 66th in tier
ROA 0.6%
+10.0% YoY-4.6% QoQ
 -0.1% 0.7%
+13.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 46th in tier
NIM 2.8%
+2.2% YoY+4.4% QoQ
 -0.4% 3.3%
+9.3% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 21.1% in tier
Efficiency Ratio 72.7%
-4.7% YoY+0.6% QoQ
 -1.3% 74.0%
-10.9% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 40th in tier
Delinquency Rate 1.0%
-15.6% YoY-5.0% QoQ
 +0.2 0.8%
+6.1% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Top 23.4% in tier
Loan To Share 74.1%
+2.6% YoY+3.7% QoQ
 -11.1% 85.2%
-0.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 19.7% in tier
AMR $23,268
+8.5% YoY+0.7% QoQ
 $-6K $29,172
+2.8% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 22.4% in tier
CD Concentration 23.8%
+18.5% YoY+0.4% QoQ
 -5.2% 29.0%
+0.8% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 26th in tier
Indirect Auto % 12.1%
+465.7% YoY+1053.2% QoQ
 -6.7% 18.8%
-2.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 40th in tier

Signature Analysis

Strengths (4)

Wallet Share Momentum

growth
#47 of 264 • Top 6.4% in tier

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

Why This Signature
AMR Growth (YoY): 8.49%
(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 worsening

Relationship Depth Leader

growth
#76 of 264 • Top 10.4% in tier

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

Why This Signature
AMR Growth (YoY): 8.49%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.7K
(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 worsening

Organic Growth Engine

growth
#211 of 246 • Top 29.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.11%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.63%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 12.09%
(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 | New qualifier

Organic Growth Leader

growth
#126 of 138 • Top 31.9% in tier

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

Why This Signature
Member Growth (YoY): 1.11%
(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 | New qualifier

Concerns (1)

Liquidity Overhang

risk
#40 of 113 • Bottom 12.2% 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: 13.15%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 74.13%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 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 304 peers in tier

Top Strengths (6 metrics)

40
AMR Growth Rate
growth
Value: 8.49%
Peer Avg: 3.29%
#40 of 304 Top 12.8% in 1B-3B tier
45
Loan Growth Rate
growth
Value: 11.33%
Peer Avg: 5.27%
#45 of 304 Top 14.5% in 1B-3B tier
52
Net Worth Ratio
risk
Value: 13.15%
Peer Avg: 11.44%
#52 of 304 Top 16.8% in 1B-3B tier
54
Asset Growth Rate
growth
Value: 9.11%
Peer Avg: 4.83%
#54 of 304 Top 17.4% in 1B-3B tier
68
Deposit Growth Rate
growth
Value: 8.52%
Peer Avg: 5.58%
#68 of 304 Top 22.0% in 1B-3B tier
73
Members Per Employee (MPE)
engagement
Value: 411.976
Peer Avg: 364.953
#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (6 metrics)

253
Loan-to-Member Ratio (LMR)
engagement
Value: $9,906
Peer Avg: $13,213
#253 of 304 Bottom 17.1% in 1B-3B tier
244
Loan-to-Share Ratio
balance_sheet
Value: 74.13%
Peer Avg: 85.19%
#244 of 304 Bottom 20.1% in 1B-3B tier
240
Net Interest Margin (NIM)
profitability
Value: 2.81%
Peer Avg: 3.26%
#240 of 304 Bottom 21.4% in 1B-3B tier
236
Average Member Relationship (AMR)
engagement
Value: $23,268
Peer Avg: $29,172
#236 of 304 Bottom 22.7% in 1B-3B tier
234
Total Delinquency Rate (60+ days)
risk
Value: 1.03%
Peer Avg: 0.83%
#234 of 304 Bottom 23.4% in 1B-3B tier
230
Net Charge-Off Rate
risk
Value: 0.80%
Peer Avg: 0.60%
#230 of 304 Bottom 24.7% in 1B-3B tier