BlastPoint's Credit Union Scorecard
PHILADELPHIA LETTER CARRIERS
Charter #5539 · PA
PHILADELPHIA LETTER CARRIERS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 3.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 10.70% below tier average
- - Efficiency ratio 65.32% above tier (higher cost structure)
- - Member decline: -14.2% YoY
- - Net Worth Ratio: Bottom 1.0% in tier
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Member Growth Rate: Bottom 3.0% in tier
- - Asset Growth Rate: Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,157
-14.2% YoY-13.2% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$6.8M
-7.4% YoY-3.7% QoQ
|
$-23.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$6.0M
-9.6% YoY-4.0% QoQ
|
$-9.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
38% |
| Deposits |
$6.0M
-4.4% YoY+2.2% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
-10.0%
-3050.8% YoY+189.2% QoQ
|
-10.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.5% in tier |
| NIM |
7.1%
+10.9% YoY+7.7% QoQ
|
+3.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
146.7%
+79.1% YoY+7.7% QoQ
|
+65.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.6% in tier |
| Delinquency Rate |
0.3%
-57.1% YoY-82.9% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
100.1%
-5.4% YoY-6.1% QoQ
|
+38.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 4.2% in tier |
| AMR |
$10,378
+8.4% YoY+14.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
31% |
| CD Concentration |
19.5%
-22.2% YoY-15.5% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)