BlastPoint's Credit Union Scorecard
MULTI-SCHOOLS
Charter #2612 · PA
MULTI-SCHOOLS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + 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 0.02% below tier average
- - Efficiency ratio 4.42% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
743
-0.9% YoY-1.2% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$5.2M
+0.5% YoY-1.2% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.7M
-2.1% YoY+0.2% QoQ
|
$-12.0M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.5M
-0.1% YoY-1.4% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.6%
+14.4% YoY+27.7% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
4.3%
+2.9% YoY+0.9% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
87.0%
+0.3% YoY-2.9% QoQ
|
+4.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.9%
+87.6% YoY+51.7% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
82.7%
-2.0% YoY+1.6% QoQ
|
+22.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$11,120
-0.1% YoY+0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
34.8%
+21.5% YoY-1.7% QoQ
|
+10.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)