BlastPoint's Credit Union Scorecard
PUBLIC SERVICE EDWARDSPT PL E
Charter #12619 · IN
PUBLIC SERVICE EDWARDSPT PL E has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 0.10% above tier average
- + Net Charge-Off Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Fee Income Per Member: Bottom 6.7% in tier
- - Total Members: Bottom 6.9% in tier
- - Total Assets: Bottom 7.9% in tier
- - Total Deposits: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
270
-2.5% YoY-0.4% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
22,624
+3.2% YoY
|
33,374
+5.7% YoY
|
Bottom 6.8% in tier |
| Assets |
$1.6M
-2.2% YoY-1.7% QoQ
|
$-28.5M |
$30.1M
+2.1% YoY
|
$390.3M
+10.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.9% in tier |
| Loans |
$1.0M
+5.6% YoY+4.7% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$281.2M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.4% in tier |
| Deposits |
$1.4M
-4.0% YoY-1.8% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$327.7M
+9.9% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.6% in tier |
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| ROA |
1.4%
+0.1% YoY-49.5% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
+52.7% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.1%
-19.6% YoY-2.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+8.6% YoY
|
3.8%
+5.1% YoY
|
57% |
| Efficiency Ratio |
66.1%
-9.1% YoY+94.5% QoQ
|
-16.5% |
82.6%
-2.3% YoY
|
78.1%
-3.9% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.7%
-36.8% YoY-15.5% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
+9.0% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
74.9%
+9.9% YoY+6.7% QoQ
|
+14.3% |
60.6%
-3.1% YoY
|
69.9%
+0.6% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$8,953
+2.5% YoY+1.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$18,520
+5.2% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.7% | 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)