BlastPoint's Credit Union Scorecard
S I PHILADELPHIA
Charter #11783 · PA
<100M
2508 CUs in <100M nationally
186 in PA
S I PHILADELPHIA has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.61% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Total Loans: Bottom 0.6% in tier
- - Total Members: Bottom 0.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 0.8% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Total Assets: Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74
0% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 0.6% in tier |
| Assets |
$203,366
-0.1% YoY+3.3% QoQ
|
$-30.0M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.2% in tier |
| Loans |
$1,406
-76.3% YoY-31.1% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.5% in tier |
| Deposits |
$127,296
-0.1% YoY+5.0% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.9% in tier |
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| ROA |
0.8%
-12.8% YoY
|
+0.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.3%
+1.4% YoY+31.8% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
29% |
| Efficiency Ratio |
77.3%
+5.0% YoY-22.6% QoQ
|
-13.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
1.1%
-76.3% YoY-34.4% QoQ
|
-57.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.4% in tier |
| AMR |
$1,739
-3.5% YoY+4.4% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
71
Net Worth Ratio
risk
Value:
37.41%
Peer Median: 14.28%
#71 of 2508
Top 2.8% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (11 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2496
Loan-to-Share Ratio
balance_sheet
Value:
1.10%
Peer Median: 58.72%
#2496 of 2508
Bottom 0.5% in <100M tier
2495
Total Loans
balance_sheet
Value:
$1,406
Peer Median: $9.48M
#2495 of 2508
Bottom 0.6% in <100M tier
2494
Total Members
engagement
Value:
74
Peer Median: 1,918
#2494 of 2508
Bottom 0.6% in <100M tier
2493
Loan-to-Member Ratio (LMR)
engagement
Value:
$19.00
Peer Median: $4,923
#2493 of 2508
Bottom 0.6% in <100M tier
2488
Loan Growth Rate
growth
Value:
-76.29%
Peer Median: -2.36%
#2488 of 2508
Bottom 0.8% in <100M tier
2486
Total Deposits
balance_sheet
Value:
$127,296
Peer Median: $18.77M
#2486 of 2508
Bottom 0.9% in <100M tier
2479
Total Assets
balance_sheet
Value:
$203,366
Peer Median: $21.86M
#2479 of 2508
Bottom 1.2% in <100M tier
2453
Average Member Relationship (AMR)
engagement
Value:
$1,739
Peer Median: $13,926
#2453 of 2508
Bottom 2.2% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier