BlastPoint's Credit Union Scorecard
PHB EMPLOYEES
Charter #6277 · PA
PHB EMPLOYEES has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Net Interest Margin 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,105
-3.2% YoY-1.2% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$8.3M
+8.0% YoY+4.6% QoQ
|
$-21.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$2.0M
-11.2% YoY-3.8% QoQ
|
$-13.7M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$6.6M
+8.6% YoY+5.5% QoQ
|
$-19.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
-26.6% YoY-5.9% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
4.0%
-9.4% YoY-2.3% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
69.7%
+6.1% YoY+1.4% QoQ
|
-12.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.4%
+296.0% YoY-74.4% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
31.0%
-18.2% YoY-8.8% QoQ
|
-29.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.9% in tier |
| AMR |
$7,807
+6.5% YoY+4.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
18% |
| CD Concentration |
4.8%
-30.6% YoY-13.5% QoQ
|
-19.7% | 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)