POST GAZETTE
Charter #90 | PA
<100M
(2596 CUs)
Micro
($0-$500M)
198 <100M in PA
POST GAZETTE has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.15% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.2% in tier
- + Net Worth Ratio: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 18.16% above tier (higher cost structure)
- - Delinquency rate 0.88% above tier average
- - Average Member Relationship (AMR): Bottom 7.7% in tier
- - Deposit Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,381
-1.8% YoY-0.2% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
38th in tier |
| Assets |
$7.7M
-2.8% YoY-0.8% QoQ
|
$-22.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
27th in tier |
| Loans |
$3.6M
-8.2% YoY-2.6% QoQ
|
$-12.2M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
27th in tier |
| Deposits |
$2.6M
-9.4% YoY-3.2% QoQ
|
$-22.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.0% in tier |
| ROA |
0.0%
-105.0% YoY+843.9% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 17.1% in tier |
| NIM |
4.1%
+21.6% YoY+1.9% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
58th in tier |
| Efficiency Ratio |
99.6%
-10.0% YoY-0.4% QoQ
|
+18.2% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 11.6% in tier |
| Delinquency Rate |
2.4%
-25.2% YoY+31.2% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 16.2% in tier |
| Loan To Share |
139.8%
+1.3% YoY+0.6% QoQ
|
+78.6% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 0.3% in tier |
| AMR |
$4,480
-7.0% YoY-2.7% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
5
Loan-to-Share Ratio
balance_sheet
Value:
139.84%
Peer Avg: 61.23%
#5 of 2596
Top 0.2% in <100M tier
12
Net Worth Ratio
risk
Value:
65.18%
Peer Avg: 16.43%
#12 of 2596
Top 0.4% in <100M tier
496
Members Per Employee (MPE)
engagement
Value:
460.333
Peer Avg: 365.701
#496 of 2596
Top 19.1% in <100M tier
Top Weaknesses (11 metrics)
2397
Average Member Relationship (AMR)
engagement
Value:
$4,480
Peer Avg: $14,627
#2397 of 2596
Bottom 7.7% in <100M tier
2393
Deposit Growth Rate
growth
Value:
-9.43%
Peer Avg: 16.80%
#2393 of 2596
Bottom 7.9% in <100M tier
2296
Efficiency Ratio
profitability
Value:
99.56%
Peer Avg: 81.39%
#2296 of 2596
Bottom 11.6% in <100M tier
2273
AMR Growth Rate
growth
Value:
-7.03%
Peer Avg: 4.67%
#2273 of 2596
Bottom 12.5% in <100M tier
2232
Total Deposits
balance_sheet
Value:
$2.58M
Peer Avg: $25.45M
#2232 of 2596
Bottom 14.1% in <100M tier
2177
Total Delinquency Rate (60+ days)
risk
Value:
2.39%
Peer Avg: 1.51%
#2177 of 2596
Bottom 16.2% in <100M tier
2152
Return on Assets (ROA)
profitability
Value:
0.02%
Peer Avg: 0.68%
#2152 of 2596
Bottom 17.1% in <100M tier
2141
Net Charge-Off Rate
risk
Value:
0.85%
Peer Avg: 0.57%
#2141 of 2596
Bottom 17.6% in <100M tier
2095
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,612
Peer Avg: $5,488
#2095 of 2596
Bottom 19.3% in <100M tier
2074
Fee Income Per Member
profitability
Value:
$11.59
Peer Avg: $182.96
#2074 of 2596
Bottom 20.1% in <100M tier