TRI BORO
Charter #794 | PA
100M-500M
(1077 CUs)
Micro
($0-$500M)
61 100M-500M in PA
TRI BORO has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 7.3% in tier
- + Relationship Depth Leader: Top 7.4% in tier
- + Emerging Performer: Top 27.0% in tier
- + ROA 0.04% above tier average
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 2.5% in tier
- - Membership Headwinds: Bottom 7.0% in tier
- - Liquidity Overhang: Bottom 19.7% in tier
- - Indirect Auto Dependency: Bottom 22.3% in tier
- - Efficiency Drag: Bottom 27.2% in tier
- - Margin Compression: Bottom 29.4% in tier
- - Efficiency ratio 3.37% above tier (higher cost structure)
- - Member decline: -5.0% YoY
- - First Mortgage Concentration (%): Bottom 5.3% in tier
- - Member Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,625
-5.0% YoY-1.0% QoQ
|
-8.0K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.6% in tier |
| Assets |
$126.7M
+3.2% YoY+0.7% QoQ
|
$-104.6M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 18.4% in tier |
| Loans |
$86.9M
+2.4% YoY+1.7% QoQ
|
$-60.9M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
26th in tier |
| Deposits |
$108.3M
+2.7% YoY+0.6% QoQ
|
$-92.0M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 17.1% in tier |
| ROA |
0.8%
-19.3% YoY+7.6% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
55th in tier |
| NIM |
3.8%
+0.7% YoY+0.1% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
65th in tier |
| Efficiency Ratio |
80.6%
+6.1% YoY-1.0% QoQ
|
+3.4% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
63rd in tier |
| Delinquency Rate |
0.3%
-62.7% YoY-62.9% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 17.2% in tier |
| Loan To Share |
80.2%
-0.2% YoY+1.1% QoQ
|
+7.5% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
64th in tier |
| AMR |
$25,592
+8.0% YoY+2.1% QoQ
|
+$1K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration |
31.8%
+16.4% YoY+8.4% QoQ
|
+7.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
18.8%
-15.8% YoY-7.5% QoQ
|
+4.8% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#201 of 1006 • Top 7.3% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.03%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#205 of 1006 • Top 7.4% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.03%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.7K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Emerging Performer
growth
#506 of 627 • Top 27.0% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.83%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-5.04%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (6)
Stagnation Risk
risk
#43 of 550 • Bottom 2.5% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.83%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-5.04%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$25.6K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
31.77%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Membership Headwinds
decline
#116 of 550 • Bottom 7.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-5.04%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank improving
Liquidity Overhang
risk
#306 of 552 • Bottom 19.7% 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:
14.37%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
80.22%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
Indirect Auto Dependency
risk
#359 of 525 • Bottom 22.3% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
3.19%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
18.76%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-5.04%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank improving
Efficiency Drag
risk
#480 of 521 • Bottom 27.2% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
80.65%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
-0.20% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-5.04%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
New qualifier
Margin Compression
decline
#124 of 136 • Bottom 29.4% in tier
Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
0.83%
(Tier:
0.77%, National:
0.71%)
ROA Change (YoY):
-0.20% points
(Tier:
0.11% points, National:
0.05% points)
Total Assets:
$126.72M
(Tier: $231.30M, National: $547.69M)
136 of 1077 Community CUs have this signature
| 169 nationally
↓ Shrinking
-43 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)
Top Strengths (4 metrics)
157
AMR Growth Rate
growth
Value:
8.03%
Peer Avg: 3.64%
#157 of 1077
Top 14.5% in 100M-500M tier
186
Total Delinquency Rate (60+ days)
risk
Value:
0.28%
Peer Avg: 0.86%
#186 of 1077
Top 17.2% in 100M-500M tier
202
Net Worth Ratio
risk
Value:
14.37%
Peer Avg: 12.15%
#202 of 1077
Top 18.7% in 100M-500M tier
211
Net Charge-Off Rate
risk
Value:
0.13%
Peer Avg: 0.47%
#211 of 1077
Top 19.5% in 100M-500M tier
Top Weaknesses (8 metrics)
1021
First Mortgage Concentration (%)
balance_sheet
Value:
62.10%
Peer Avg: 30.43%
#1021 of 1077
Bottom 5.3% in 100M-500M tier
975
Member Growth Rate
growth
Value:
-5.04%
Peer Avg: 0.72%
#975 of 1077
Bottom 9.6% in 100M-500M tier
943
Fee Income Per Member
profitability
Value:
$93.59
Peer Avg: $174.31
#943 of 1077
Bottom 12.5% in 100M-500M tier
930
Total Members
engagement
Value:
7,625
Peer Avg: 15,628
#930 of 1077
Bottom 13.7% in 100M-500M tier
893
Total Deposits
balance_sheet
Value:
$108.28M
Peer Avg: $200.29M
#893 of 1077
Bottom 17.2% in 100M-500M tier
879
Total Assets
balance_sheet
Value:
$126.72M
Peer Avg: $231.30M
#879 of 1077
Bottom 18.5% in 100M-500M tier
866
Members Per Employee (MPE)
engagement
Value:
254.167
Peer Avg: 332.881
#866 of 1077
Bottom 19.7% in 100M-500M tier
830
Share Certificate Concentration (%)
balance_sheet
Value:
31.77%
Peer Avg: 23.61%
#830 of 1077
Bottom 23.0% in 100M-500M tier