BlastPoint's Credit Union Scorecard
DERTOWN SCHOOL
Charter #10141 · PA
DERTOWN SCHOOL has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.48% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 4.9% in tier
- + Net Worth Ratio: Top 6.1% in tier
- + Loan-to-Share Ratio: Top 6.1% in tier
- + Efficiency Ratio: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 4.4% in tier
- - Net Interest Margin (NIM): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
704
-0.7% YoY-0.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$12.3M
+2.8% YoY+0.1% QoQ
|
$-17.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$8.3M
-5.5% YoY-4.6% QoQ
|
$-7.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$8.6M
+2.8% YoY-0.3% QoQ
|
$-17.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
1.1%
-8.8% YoY+7.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
2.6%
+4.0% YoY+7.7% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
57.6%
+11.5% YoY+0.3% QoQ
|
-24.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 9.0% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
95.8%
-8.1% YoY-4.3% QoQ
|
+35.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 6.3% in tier |
| AMR |
$24,021
-0.7% YoY-2.3% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 10.1% in tier |
| CD Concentration |
35.9%
-3.8% YoY-0.8% QoQ
|
+11.4% | 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)