BlastPoint's Credit Union Scorecard
P C
Charter #10704 · PA
P C has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.09% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.58% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,409
-0.8% YoY-1.7% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$14.0M
+6.1% YoY+0.0% QoQ
|
$-16.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$10.6M
+0.7% YoY-1.4% QoQ
|
$-5.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$12.1M
+5.9% YoY-0.1% QoQ
|
$-13.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.7%
-18.4% YoY-3.6% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.3%
-7.9% YoY-2.2% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
81.6%
+11.1% YoY+0.4% QoQ
|
-0.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
2.1%
-20.7% YoY+0.9% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
87.5%
-4.9% YoY-1.3% QoQ
|
+26.9% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 12.7% in tier |
| AMR |
$16,126
+4.3% YoY+0.9% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
20.4%
+8.2% YoY-4.5% QoQ
|
-4.0% | 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)