Industry Rankings

CU Wrapped 2025

Credit Union Leaderboards

See who's leading and who's falling behind across the credit union industry

Tier:

All Community Mid-Market Large Titans

State:

Active filters: PA × Clear all

Most Strengths

All tiers in PA

Rank	Credit Union
1	DISCOVERY Community WYOMISSING, PA
2	TRUMARK FINANCIAL Mid-Market Fort Washington, PA
3	CACL Community Pottsville, PA
4	ARMCO Community BUTLER, PA
5	LEBANON Community LEBANON, PA
6	PHILADELPHIA Mid-Market Philadelphia, PA
7	DIAMOND Mid-Market Pottstown, PA
8	ARC Community Altoona, PA
9	BHCU Community RIDLEY PARK, PA
10	PENN STATE Community BELLEFONTE, PA
11	UTILITIES EMPLOYEES Mid-Market READING, PA
12	AMERICAN HERITAGE Large Philadelphia, PA
13	TOP TIER Community Clarion, PA
14	MEMBERS 1ST Large Enola, PA
15	PENNSYLVANIA STATE EMPLOYEES Large HARRISBURG, PA
16	BRADFORD AREA SCHOOL EMPLOYEES Bradford, PA
17	PALCO FCU Community MUNCY, PA
18	PEOPLE FIRST Community Allentown, PA
19	POLICE & FIRE Large Philadelphia, PA
20	CLEARVIEW Mid-Market Moon Township, PA
21	GROVE CITY AREA Community GROVE CITY, PA
22	EVERENCE Community Lancaster, PA
23	NET Community Scranton, PA
24	FIRST COMMONWEALTH Mid-Market Lehigh Valley, PA
25	VALLEY 1ST COMMUNITY Community MONESSEN, PA

Most Concerns

All tiers in PA

Rank	Credit Union
1	UNIVERSITY OF PENNSYLVANIA STUDENTS Philadelphia, PA
2	COMMONROOTS CRANBERRY TOWNS, PA
3	ACBA FED CREDIT UNION (3226) Pittsburgh, PA
4	NORTHWOOD Philadelphia, PA
5	B I Sewickley, PA
6	PPG & ASSOCIATES Creighton, PA
7	DERRY AREA DERRY, PA
8	BENCHMARK Community West Chester, PA
9	U.F.C.W. LOCAL 23 Canonsburg, PA
10	SPIRIT FINANCIAL LEVITTOWN, PA
11	U.A.L.U. 354 YOUNGWOOD, PA
12	COPPER & GLASS GLASSPORT, PA
13	B V M S N Walnutport, PA
14	CRAYOLA LLC EMPLOYEES CREDIT UNION EASTON, PA
15	WEST PENN P&P BEAVER, PA
16	KENNAFORD Bedford, PA
17	SCRANTON DOWNTOWN Scranton, PA
18	LATROBE LATROBE, PA
19	PENN HILLS MUNICIPAL Pittsburgh, PA
20	GREATER LATROBE SCHOOLS Latrobe, PA
21	VANTAGE TRUST WILKES BARRE, PA
22	TRANSIT WORKERS PHILADELPHIA, PA
23	STEAMFITTERS PHILA WEST CHESTER, PA
24	GREENSBURG TEACHERS GREENSBURG, PA
25	FORT LIGONIER JEROME, PA

Explore by Dimension

Signatures

Growth & Performance

Credit Quality Leader Emerging Performer Organic Growth Engine Organic Growth Leader Profitability Leader Relationship Depth Leader Wallet Share Momentum

Risk & Quality

Capital Constraint Cost Spiral Credit Quality Pressure Credit Risk Growth Efficiency Drag Flatlined Growth Indirect Auto Dependency Liquidity Overhang Liquidity Strain Stagnation Risk

Decline Indicators

Accelerating Exit Risk Deposit Outflow Institutional Decline Margin Compression Membership Headwinds Shrinking Wallet Share Wealth Migration Risk

Metrics

Growth

Asset Growth (YoY) (Absolute) Average Member Relationship Growth (YoY) (Absolute) Deposit Growth (YoY) (Absolute) Loan Growth (YoY) (Absolute) Member Growth (YoY) (Absolute)

Profitability

Efficiency Ratio (Absolute) Efficiency Ratio (QoQ Change) Efficiency Ratio (YoY Change) Fee Income Per Member (Absolute) Fee Income Per Member (QoQ Change) Fee Income Per Member (YoY Change) Net Interest Margin (NIM) (Absolute) Net Interest Margin (NIM) (QoQ Change) Net Interest Margin (NIM) (YoY Change) Return on Assets (ROA) (Absolute) Return on Assets (ROA) (QoQ Change) Return on Assets (ROA) (YoY Change)

Member Engagement

Average Member Relationship (AMR) (Absolute) Average Member Relationship (AMR) (QoQ Change) Average Member Relationship (AMR) (YoY Change) Loan-to-Member Ratio (LMR) (Absolute) Loan-to-Member Ratio (LMR) (QoQ Change) Loan-to-Member Ratio (LMR) (YoY Change) Members Per Employee (MPE) (Absolute) Members Per Employee (MPE) (QoQ Change) Members Per Employee (MPE) (YoY Change) Total Members (Absolute) Total Members (QoQ Change) Total Members (YoY Change)

Balance Sheet

First Mortgage Concentration (%) (Absolute) First Mortgage Concentration (%) (QoQ Change) First Mortgage Concentration (%) (YoY Change) Indirect Auto Concentration (%) (Absolute) Indirect Auto Concentration (%) (QoQ Change) Indirect Auto Concentration (%) (YoY Change) Loan-to-Share Ratio (Absolute) Loan-to-Share Ratio (QoQ Change) Loan-to-Share Ratio (YoY Change) Share Certificate Concentration (%) (Absolute) Share Certificate Concentration (%) (QoQ Change) Share Certificate Concentration (%) (YoY Change) Total Assets (Absolute) Total Assets (QoQ Change) Total Assets (YoY Change) Total Deposits (Absolute) Total Deposits (QoQ Change) Total Deposits (YoY Change) Total Loans (Absolute) Total Loans (QoQ Change) Total Loans (YoY Change)

Risk

Net Charge-Off Rate (Absolute) Net Charge-Off Rate (QoQ Change) Net Charge-Off Rate (YoY Change) Net Worth Ratio (Absolute) Net Worth Ratio (QoQ Change) Net Worth Ratio (YoY Change) Total Delinquency Rate (60+ days) (Absolute) Total Delinquency Rate (60+ days) (QoQ Change) Total Delinquency Rate (60+ days) (YoY Change)