BlastPoint's Credit Union Scorecard
PITTSBURGH CITY HALL EMPLOYEES
Charter #1239 · PA
PITTSBURGH CITY HALL EMPLOYEES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Efficiency ratio 38.79% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 0.2% in tier
- - Net Interest Margin (NIM): Bottom 1.6% in tier
- - Net Worth Ratio: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,627
-1.5% YoY+0.2% QoQ
|
+11 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$57.8M
+0.3% YoY-0.5% QoQ
|
+$27.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
82% |
| Loans |
$21.0M
+1.3% YoY-6.0% QoQ
|
+$5.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$55.8M
-2.1% YoY-0.8% QoQ
|
+$30.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 15.0% in tier |
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| ROA |
-0.5%
-43.1% YoY-14.8% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.6% in tier |
| NIM |
1.5%
+9.6% YoY+3.8% QoQ
|
-2.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
121.3%
-10.3% YoY-1.4% QoQ
|
+38.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.8%
-21.0% YoY-12.6% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
37.6%
+3.4% YoY-5.3% QoQ
|
-23.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$29,208
+0.3% YoY-2.5% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 4.8% in tier |
| CD Concentration |
36.7%
+0.3% YoY+0.0% QoQ
|
+12.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)