BlastPoint's Credit Union Scorecard
JESSOP COMMUNITY
Charter #7724 · PA
JESSOP COMMUNITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,704
-6.6% YoY+0.1% QoQ
|
+88 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$33.1M
+4.8% YoY+1.5% QoQ
|
+$3.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$11.6M
-10.8% YoY-0.7% QoQ
|
$-4.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$28.5M
+3.0% YoY+1.1% QoQ
|
+$2.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
1.8%
+17.5% YoY+2.2% QoQ
|
+1.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 9.1% in tier |
| NIM |
3.8%
+0.4% YoY+0.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
57.8%
-8.4% YoY-1.2% QoQ
|
-24.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 9.2% in tier |
| Delinquency Rate |
0.2%
-74.3% YoY+27.6% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
40.6%
-13.5% YoY-1.8% QoQ
|
-20.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
20% |
| AMR |
$14,840
+5.5% YoY+0.5% QoQ
|
+$57 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
5.8%
+11.0% YoY-1.8% QoQ
|
-18.7% | 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)