PASADENA MUNICIPAL
Charter #9246 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
PASADENA MUNICIPAL has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 Growth Rate: Top 2.1% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Net Interest Margin (NIM): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,183
+2.1% YoY-0.1% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
33rd in tier |
| Assets |
$12.1M
+0.0% YoY-2.3% QoQ
|
$-17.7M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
36th in tier |
| Loans |
$9.2M
+23.6% YoY+3.1% QoQ
|
$-6.5M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
49th in tier |
| Deposits |
$9.4M
-0.1% YoY-1.7% QoQ
|
$-16.1M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
35th in tier |
| ROA |
0.5%
-29.1% YoY-18.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
35th in tier |
| NIM |
2.2%
-15.6% YoY-2.8% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.6% in tier |
| Efficiency Ratio |
74.2%
+23.2% YoY+7.1% QoQ
|
-7.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
40th in tier |
| Delinquency Rate |
0.4%
+20.9% YoY-15.4% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
37th in tier |
| Loan To Share |
98.6%
+23.8% YoY+4.9% QoQ
|
+37.4% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Top 5.0% in tier |
| AMR |
$15,732
+8.2% YoY+0.7% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
61st in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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 (9 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
55
Loan Growth Rate
growth
Value:
23.63%
Peer Avg: 59.01%
#55 of 2596
Top 2.1% in <100M tier
125
Loan-to-Share Ratio
balance_sheet
Value:
98.65%
Peer Avg: 61.23%
#125 of 2596
Top 4.8% in <100M tier
348
AMR Growth Rate
growth
Value:
8.17%
Peer Avg: 4.67%
#348 of 2596
Top 13.4% in <100M tier
433
Member Growth Rate
growth
Value:
2.07%
Peer Avg: 14.92%
#433 of 2596
Top 16.6% in <100M tier
449
Net Worth Ratio
risk
Value:
21.64%
Peer Avg: 16.43%
#449 of 2596
Top 17.3% in <100M tier
498
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,813
Peer Avg: $5,488
#498 of 2596
Top 19.1% in <100M tier
Top Weaknesses (2 metrics)
2477
Net Interest Margin (NIM)
profitability
Value:
2.19%
Peer Avg: 3.93%
#2477 of 2596
Bottom 4.6% in <100M tier
2025
Fee Income Per Member
profitability
Value:
$13.84
Peer Avg: $182.96
#2025 of 2596
Bottom 22.0% in <100M tier