BlastPoint's Credit Union Scorecard

PENN STATE

Charter #12729 · PA

1069 CUs in 100M-500M nationally 61 in PA

PENN STATE has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 75.0% in tier
+ ROA 0.48% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 32.8% in tier
- Membership Headwinds: Bottom 86.1% in tier
- Stagnation Risk: Bottom 99.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	14,376 -1.1% YoY-0.2% QoQ	-1.1K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	55%
Assets	$259.2M +3.3% YoY+1.8% QoQ	+$27.4M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	66%
Loans	$133.9M +12.5% YoY+2.5% QoQ	$-13.5M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	54%
Deposits	$227.5M +1.3% YoY+1.5% QoQ	+$26.7M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -15.1% YoY+17.4% QoQ	+0.5%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	82%
NIM	3.3% -4.3% YoY+5.1% QoQ	-0.3%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	33%
Efficiency Ratio	63.5% +7.9% YoY-5.4% QoQ	-13.5%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Bottom 12.1% in tier
Delinquency Rate	0.2% -59.8% YoY-9.6% QoQ	-0.6	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Bottom 12.3% in tier
Loan To Share	58.9% +11.0% YoY+1.0% QoQ	-13.4%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	21%
AMR	$25,137 +6.3% YoY+2.0% QoQ	+$461	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	64%
CD Concentration	13.3% +2.0% YoY+4.7% QoQ	-11.1%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.0% -100.0% YoY	-13.8%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#385 of 513 • Top 75.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.34%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (3)

Margin Compression

decline

#41 of 123 • Bottom 32.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.24%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.46%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Membership Headwinds

decline

#477 of 554 • Bottom 86.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.05%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#550 of 554 • Bottom 99.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.05%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 12.54%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.25%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

114

Loan Growth Rate

growth

Value: 12.54%

Peer Median: -

#114 of 1069 Top 10.6% in 100M-500M tier

130

Efficiency Ratio

profitability

Value: 63.52%

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

132

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: -

#132 of 1069 Top 12.3% in 100M-500M tier

182

Share Certificate Concentration (%)

balance_sheet

Value: 13.30%

Peer Median: -

#182 of 1069 Top 16.9% in 100M-500M tier

198

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: -

#198 of 1069 Top 18.4% in 100M-500M tier

246

Net Worth Ratio

risk

Value: 13.88%

Peer Median: -

#246 of 1069 Top 22.9% in 100M-500M tier

Top Weaknesses (2 metrics)

921

Fee Income Per Member

profitability

Value: $100.12

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

848

Loan-to-Share Ratio

balance_sheet

Value: 58.86%

Peer Median: -

#848 of 1069 Bottom 20.8% in 100M-500M tier