APCI

Charter #9607 | PA

500M-750M (169 CUs) Community (281 CUs)
4 500M-750M in PA

APCI has 6 strengths but faces 15 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 18.4% in tier
  • + Wallet Share Momentum: Top 34.4% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 1.2% in tier
  • + Average Member Relationship (AMR): Top 1.2% in tier
  • + Total Delinquency Rate (60+ days): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 12.4% in tier
  • - Credit Quality Pressure: Bottom 18.6% in tier
  • - Flatlined Growth: Bottom 20.4% in tier
  • - Growth-at-Risk: Bottom 25.8% in tier
  • - Stagnation Risk: Bottom 28.5% in tier
  • - Membership Headwinds: Bottom 32.8% in tier
  • - ROA 0.37% below tier average
  • - Efficiency ratio 7.66% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 0.6% in tier
  • - First Mortgage Concentration (%): Bottom 2.4% in tier
  • - Total Members: Bottom 2.4% in tier
  • - Loan-to-Share Ratio: Bottom 4.1% in tier
  • - Total Loans: Bottom 6.5% in tier
  • - Share Certificate Concentration (%): Bottom 7.7% in tier
  • - Fee Income Per Member: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 17,481
-0.6% YoY-0.3% QoQ
 -22.3K 39,752
-2.7% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Bottom 1.8% in tier
Assets $665.7M
+1.1% YoY-0.7% QoQ
 +$43.3M $622.4M
+0.3% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 69th in tier
Loans $282.7M
+1.6% YoY-0.7% QoQ
 $-153.2M $435.9M
-0.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 5.9% in tier
Deposits $603.9M
+0.1% YoY-1.2% QoQ
 +$65.9M $538.0M
+1.3% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 Top 20.1% in tier
ROA 0.3%
-966.9% YoY-4.9% QoQ
 -0.4% 0.7%
+33.9% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 26th in tier
NIM 1.8%
+25.0% YoY+1.0% QoQ
 -1.6% 3.4%
+8.6% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 Bottom 0.0% in tier
Efficiency Ratio 85.8%
-16.1% YoY+1.3% QoQ
 +7.7% 78.1%
-3.4% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 19.5% in tier
Delinquency Rate 0.2%
+99.5% YoY+103.7% QoQ
 -0.6 0.8%
-4.9% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 9.5% in tier
Loan To Share 46.8%
+1.5% YoY+0.5% QoQ
 -34.2% 81.0%
-1.8% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 3.6% in tier
AMR $50,721
+1.2% YoY-0.8% QoQ
 +$24K $26,482
+2.6% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Top 1.8% in tier
CD Concentration 39.3%
+6.8% YoY+8.1% QoQ
 +14.9% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 8.6% in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#507 of 1006 • Top 18.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.16%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#949 of 1006 • Top 34.4% in tier

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

Why This Signature
AMR Growth (YoY): 1.16%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk
#220 of 521 • Bottom 12.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.76%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.32% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#460 of 736 • Bottom 18.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Flatlined Growth

risk
#22 of 58 • Bottom 20.4% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $665.67M
(Tier: $622.38M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.08%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.29%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 281 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Growth-at-Risk

risk
#388 of 446 • Bottom 25.8% in tier

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

Why This Signature
Loan Growth (YoY): 1.61%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.11% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Stagnation Risk

risk
#470 of 550 • Bottom 28.5% 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: 0.29%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -0.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $50.7K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 39.28%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#541 of 550 • Bottom 32.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -0.57%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 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)

Comparing against 169 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
3
Net Charge-Off Rate
risk
Value: 0.02%
Peer Avg: 0.51%
#3 of 169 Top 1.2% in 500M-750M tier
3
Average Member Relationship (AMR)
engagement
Value: $50,721
Peer Avg: $26,482
#3 of 169 Top 1.2% in 500M-750M tier
17
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Avg: 0.80%
#17 of 169 Top 9.5% in 500M-750M tier
21
Loan-to-Member Ratio (LMR)
engagement
Value: $16,173
Peer Avg: $11,805
#21 of 169 Top 11.8% in 500M-750M tier
34
Total Deposits
balance_sheet
Value: $603.94M
Peer Avg: $538.02M
#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (10 metrics)

169
Net Interest Margin (NIM)
profitability
Value: 1.79%
Peer Avg: 3.43%
#169 of 169 Bottom 0.6% in 500M-750M tier
166
First Mortgage Concentration (%)
balance_sheet
Value: 66.51%
Peer Avg: 33.53%
#166 of 169 Bottom 2.4% in 500M-750M tier
166
Total Members
engagement
Value: 17,481
Peer Avg: 39,752
#166 of 169 Bottom 2.4% in 500M-750M tier
163
Loan-to-Share Ratio
balance_sheet
Value: 46.81%
Peer Avg: 81.02%
#163 of 169 Bottom 4.1% in 500M-750M tier
159
Total Loans
balance_sheet
Value: $282.72M
Peer Avg: $435.95M
#159 of 169 Bottom 6.5% in 500M-750M tier
157
Share Certificate Concentration (%)
balance_sheet
Value: 39.28%
Peer Avg: 26.87%
#157 of 169 Bottom 7.7% in 500M-750M tier
155
Fee Income Per Member
profitability
Value: $117.68
Peer Avg: $199.27
#155 of 169 Bottom 8.9% in 500M-750M tier
141
Deposit Growth Rate
growth
Value: 0.12%
Peer Avg: 5.25%
#141 of 169 Bottom 17.2% in 500M-750M tier
139
Net Worth Ratio
risk
Value: 8.90%
Peer Avg: 10.94%
#139 of 169 Bottom 18.3% in 500M-750M tier
137
Efficiency Ratio
profitability
Value: 85.76%
Peer Avg: 78.10%
#137 of 169 Bottom 19.5% in 500M-750M tier