BlastPoint's Credit Union Scorecard

SAINT NICHOLAS

Charter #2583 · PA

2556 CUs in <100M nationally 190 in PA

SAINT NICHOLAS has 3 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 1.35% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.55% below tier average
  • - Efficiency ratio 7.64% above tier (higher cost structure)
  • - Members Per Employee (MPE): Bottom 7.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 921
-1.6% YoY-0.4% QoQ
-1.7K 2,615
-1.9% YoY
17,996
+7.1% YoY
33,374
+5.7% YoY
26%
Assets $3.6M
-0.1% YoY+0.3% QoQ
$-26.6M $30.1M
+2.1% YoY
$296.9M
+12.6% YoY
$561.6M
+9.7% YoY
Bottom 14.7% in tier
Loans $2.4M
+0.4% YoY+1.0% QoQ
$-13.4M $15.8M
-1.3% YoY
$199.3M
+10.4% YoY
$397.0M
+8.8% YoY
20%
Deposits $3.1M
+1.5% YoY+0.3% QoQ
$-22.6M $25.7M
+1.4% YoY
$254.8M
+12.3% YoY
$477.3M
+9.7% YoY
16%

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Tier 1
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ROA 0.1%
-4.7% YoY-77.3% QoQ
-0.6% 0.6%
+10.8% YoY
0.6%
-8.3% YoY
0.7%
+15.9% YoY
19%
NIM 5.3%
+11.8% YoY-2.1% QoQ
+1.4% 4.0%
+4.0% YoY
3.5%
+3.8% YoY
3.8%
+5.1% YoY
Top 9.1% in tier
Efficiency Ratio 90.2%
-8.5% YoY+5.2% QoQ
+7.6% 82.6%
-2.3% YoY
76.7%
-2.4% YoY
79.7%
-3.3% YoY
75%
Delinquency Rate 0.6%
-68.4% YoY-78.8% QoQ
-1.0 1.6%
-3.1% YoY
1.3%
-10.1% YoY
1.3%
-2.1% YoY
44%
Loan To Share 78.0%
-1.1% YoY+0.7% QoQ
+17.3% 60.6%
-3.1% YoY
54.3%
-3.4% YoY
67.4%
-1.7% YoY
76%
AMR $5,908
+2.7% YoY+1.1% QoQ
$-9K $14,783
-1.4% YoY
$16,567
+4.7% YoY
$19,687
+2.0% YoY
Bottom 11.8% in tier
CD Concentration 0.0% -24.4% 24.4% 15.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 8.1% 7.8% 50%

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)

Comparing against 2556 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
233
Net Interest Margin (NIM)
profitability
Value: 5.31%
Peer Median: -
#233 of 2556 Top 9.1% in <100M tier
622
Loan-to-Share Ratio
balance_sheet
Value: 77.96%
Peer Median: -
#622 of 2556 Top 24.3% in <100M tier

Top Weaknesses (9 metrics)

2379
Members Per Employee (MPE)
engagement
Value: 115.125
Peer Median: -
#2379 of 2556 Bottom 7.0% in <100M tier
2255
Average Member Relationship (AMR)
engagement
Value: $5,908
Peer Median: -
#2255 of 2556 Bottom 11.8% in <100M tier
2181
Total Assets
balance_sheet
Value: $3.59M
Peer Median: -
#2181 of 2556 Bottom 14.7% in <100M tier
2154
Total Deposits
balance_sheet
Value: $3.06M
Peer Median: -
#2154 of 2556 Bottom 15.8% in <100M tier
2071
Loan-to-Member Ratio (LMR)
engagement
Value: $2,588
Peer Median: -
#2071 of 2556 Bottom 19.0% in <100M tier
2062
Return on Assets (ROA)
profitability
Value: 0.07%
Peer Median: -
#2062 of 2556 Bottom 19.4% in <100M tier
2051
Total Loans
balance_sheet
Value: $2.38M
Peer Median: -
#2051 of 2556 Bottom 19.8% in <100M tier
2016
Net Charge-Off Rate
risk
Value: 0.77%
Peer Median: -
#2016 of 2556 Bottom 21.2% in <100M tier
1928
Efficiency Ratio
profitability
Value: 90.19%
Peer Median: -
#1928 of 2556 Bottom 24.6% in <100M tier
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