CLEARVIEW

Charter #9007 | PA

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

CLEARVIEW has 4 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 19.3% in tier
  • + Net Interest Margin 0.44% above tier average
  • + Strong member growth: 11.1% YoY
  • + Member Growth Rate: Top 3.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 4.0% in tier
  • - Credit Quality Pressure: Bottom 11.1% in tier
  • - Growth-at-Risk: Bottom 21.8% in tier
  • - Indirect Auto Dependency: Bottom 29.4% in tier
  • - ROA 0.38% below tier average
  • - Efficiency ratio 5.89% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 142,278
+11.1% YoY+1.2% QoQ
 +43.6K 98,678
-1.9% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Top 15.8% in tier
Assets $2.1B
+1.4% YoY-3.0% QoQ
 +$370.2M $1.7B
+0.5% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $1.5B
+1.9% YoY+0.5% QoQ
 +$288.7M $1.2B
+0.5% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 74th in tier
Deposits $1.8B
+3.6% YoY-3.7% QoQ
 +$392.1M $1.5B
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA 0.3%
-69.6% YoY+3.3% QoQ
 -0.4% 0.7%
+13.4% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Bottom 16.4% in tier
NIM 3.7%
+8.0% YoY+2.1% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Top 21.1% in tier
Efficiency Ratio 79.9%
+16.8% YoY+1.0% QoQ
 +5.9% 74.0%
-10.9% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 71st in tier
Delinquency Rate 0.8%
+26.5% YoY+6.1% QoQ
 -0.1 0.8%
+6.1% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 56th in tier
Loan To Share 82.4%
-1.6% YoY+4.3% QoQ
 -2.8% 85.2%
-0.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 35th in tier
AMR $23,673
-7.5% YoY-3.0% QoQ
 $-5K $29,172
+2.8% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 25.0% in tier
CD Concentration 19.8%
-24.4% YoY-1.1% QoQ
 -9.2% 29.0%
+0.8% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Bottom 12.9% in tier
Indirect Auto % 27.7%
-3.0% YoY-2.4% QoQ
 +8.9% 18.8%
-2.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 71st in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#141 of 246 • Top 19.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 11.15%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.33%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 27.73%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Shrinking Wallet Share

decline
#13 of 83 • Bottom 4.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -7.50%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank improving

Credit Quality Pressure

risk
#86 of 217 • Bottom 11.1% in tier

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

Why This Signature
Delinquency Change (YoY): 0.16% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Growth-at-Risk

risk
#122 of 161 • Bottom 21.8% in tier

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

Why This Signature
Loan Growth (YoY): 1.89%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.16% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#182 of 202 • Bottom 29.4% in tier

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

Why This Signature
Asset Growth (YoY): 1.38%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.73%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 11.15%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 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 (5 metrics)

12
Member Growth Rate
growth
Value: 11.15%
Peer Avg: 2.20%
#12 of 304 Top 3.6% in 1B-3B tier
42
Share Certificate Concentration (%)
balance_sheet
Value: 19.80%
Peer Avg: 28.53%
#42 of 304 Top 13.5% in 1B-3B tier
48
Total Members
engagement
Value: 142,278
Peer Avg: 98,678
#48 of 304 Top 15.5% in 1B-3B tier
64
Net Interest Margin (NIM)
profitability
Value: 3.71%
Peer Avg: 3.26%
#64 of 304 Top 20.7% in 1B-3B tier
67
First Mortgage Concentration (%)
balance_sheet
Value: 22.33%
Peer Avg: 34.01%
#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (3 metrics)

292
AMR Growth Rate
growth
Value: -7.50%
Peer Avg: 3.29%
#292 of 304 Bottom 4.3% in 1B-3B tier
254
Return on Assets (ROA)
profitability
Value: 0.33%
Peer Avg: 0.70%
#254 of 304 Bottom 16.8% in 1B-3B tier
230
Loan-to-Member Ratio (LMR)
engagement
Value: $10,696
Peer Avg: $13,213
#230 of 304 Bottom 24.7% in 1B-3B tier