BlastPoint's Credit Union Scorecard
HONEYWELL PHILADELPHIA DIV
Charter #2374 · PA
HONEYWELL PHILADELPHIA DIV has 3 strengths but faces 7 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
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.84% below tier average
- - Efficiency ratio 92.71% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Fee Income Per Member: Bottom 0.1% in tier
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Net Worth Ratio: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,367
-5.3% YoY-0.5% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$25.1M
+5.7% YoY+7.0% QoQ
|
$-5.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
54% |
| Loans |
$2.4M
-3.6% YoY-0.8% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$25.1M
+4.9% YoY+6.8% QoQ
|
$-553K |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
-1.2%
+341.9% YoY-23.2% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.9% in tier |
| NIM |
2.2%
+11.7% YoY+1.1% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
175.3%
+61.0% YoY-22.0% QoQ
|
+92.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate |
1.0%
-74.5% YoY+105.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
9.4%
-8.1% YoY-7.1% QoQ
|
-51.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$20,113
+10.0% YoY+6.6% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
14.4%
+3.2% YoY+3.2% QoQ
|
-10.0% | 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)