BlastPoint's Credit Union Scorecard
S I PHILADELPHIA
Charter #11783 · PA
2556 CUs in <100M nationally
190 in PA
S I PHILADELPHIA has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.6% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 17.27% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 0.5% in tier
- - Loan-to-Share Ratio: Bottom 0.5% in tier
- - Total Members: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Total Assets: Bottom 1.1% in tier
- - Average Member Relationship (AMR): Bottom 2.1% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
- - Fee Income Per Member: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74
-1.3% YoY-1.3% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 0.6% in tier |
| Assets |
$196,864
-0.1% YoY-7.2% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.1% in tier |
| Loans |
$2,040
-72.7% YoY+0.5% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.5% in tier |
| Deposits |
$121,179
-0.2% YoY-10.4% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.9% in tier |
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| ROA |
0.0%
-96.3% YoY-99.4% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
2.5%
+5.6% YoY-20.7% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.4% in tier |
| Efficiency Ratio |
99.8%
+4.6% YoY+31.8% QoQ
|
+17.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
1.7%
-72.6% YoY+12.2% QoQ
|
-58.9% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.4% in tier |
| AMR |
$1,665
-3.1% YoY-9.0% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
68
Net Worth Ratio
risk
Value:
38.45%
Peer Median: -
#68 of 2556
Top 2.6% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (14 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2543
Total Loans
balance_sheet
Value:
$2,040
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2543
Loan-to-Share Ratio
balance_sheet
Value:
1.68%
Peer Median: -
#2543 of 2556
Bottom 0.5% in <100M tier
2540
Total Members
engagement
Value:
74
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2540
Loan-to-Member Ratio (LMR)
engagement
Value:
$27.57
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2534
Total Deposits
balance_sheet
Value:
$121,179
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2533
Loan Growth Rate
growth
Value:
-72.65%
Peer Median: -
#2533 of 2556
Bottom 0.9% in <100M tier
2529
Total Assets
balance_sheet
Value:
$196,864
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2503
Average Member Relationship (AMR)
engagement
Value:
$1,665
Peer Median: -
#2503 of 2556
Bottom 2.1% in <100M tier
2341
Net Interest Margin (NIM)
profitability
Value:
2.53%
Peer Median: -
#2341 of 2556
Bottom 8.5% in <100M tier