BlastPoint's Credit Union Scorecard
WYOMING VALLEY EDUCATIONAL EMPL
Charter #2657 · PA
WYOMING VALLEY EDUCATIONAL EMPL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Efficiency Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 1.7% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,604
-3.1% YoY-0.5% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$54.8M
+5.9% YoY+2.2% QoQ
|
+$24.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$7.4M
+3.7% YoY+3.5% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$49.7M
+5.3% YoY+2.2% QoQ
|
+$24.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.6%
+73.2% YoY-7.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
1.5%
+16.1% YoY-3.1% 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 |
57.7%
-14.6% YoY+3.5% QoQ
|
-24.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
0.2%
+19.4% YoY-36.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
14.9%
-1.5% YoY+1.3% QoQ
|
-45.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$35,579
+8.5% YoY+2.9% QoQ
|
+$21K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 1.9% 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)
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)