BlastPoint's Credit Union Scorecard
PHEPLE
Charter #7297 · PA
PHEPLE has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 58.2% in tier
- + Net Interest Margin 0.79% above tier average
- + First Mortgage Concentration (%): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 17.7% in tier
- - Membership Headwinds: Bottom 38.0% in tier
- - Stagnation Risk: Bottom 60.8% in tier
- - Indirect Auto Dependency: Bottom 67.7% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 12.52% above tier (higher cost structure)
- - Member decline: -3.6% YoY
- - Average Member Relationship (AMR): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,163
-3.6% YoY-4.8% QoQ
|
+2.7K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$133.4M
+0.7% YoY+0.9% QoQ
|
$-98.5M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$107.7M
+5.9% YoY+0.7% QoQ
|
$-39.7M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$122.0M
+1.1% YoY+1.3% QoQ
|
$-78.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.3%
-16.5% YoY-14.0% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
4.4%
+16.5% YoY+0.3% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
89.5%
+1.6% YoY+0.5% QoQ
|
+12.5% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 11.1% in tier |
| Delinquency Rate |
0.7%
-4.5% YoY+5.4% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
88.2%
+4.8% YoY-0.6% QoQ
|
+16.0% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$12,645
+7.2% YoY+6.2% QoQ
|
$-12K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.5% in tier |
| CD Concentration |
20.4%
-11.3% YoY-1.3% QoQ
|
-4.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
27.6%
-5.3% YoY+0.4% QoQ
|
+13.9% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)