BlastPoint's Credit Union Scorecard
PITTSBURGH CITY HALL EMPLOYEES
Charter #1239 · PA
PITTSBURGH CITY HALL EMPLOYEES has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.30% below tier average
- - Efficiency ratio 41.64% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Fee Income Per Member: Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 1.6% in tier
- - Net Worth Ratio: Bottom 8.7% in tier
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,621
-2.1% YoY-0.0% QoQ
|
-4 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$58.1M
+1.3% YoY+0.5% QoQ
|
+$28.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$22.3M
+2.8% YoY-5.0% QoQ
|
+$6.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$56.2M
+1.0% YoY-0.6% QoQ
|
+$30.7M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 14.2% in tier |
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| ROA |
-0.6%
-27.5% YoY-17.1% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.9% in tier |
| NIM |
1.5%
-1.3% YoY+9.1% QoQ
|
-2.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.6% in tier |
| Efficiency Ratio |
123.0%
-3.5% YoY-8.5% QoQ
|
+41.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.9%
-23.7% YoY-0.0% QoQ
|
-0.6 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
57% |
| Loan To Share |
39.7%
+1.7% YoY-4.5% QoQ
|
-21.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$29,952
+3.6% YoY-1.8% QoQ
|
+$15K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 4.1% in tier |
| CD Concentration |
36.6%
+7.0% YoY-1.3% QoQ
|
+12.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)