BlastPoint's Credit Union Scorecard
PENN STATE
Charter #12729 · PA
PENN STATE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 64.3% in tier
- + Wallet Share Momentum: Top 90.4% in tier
- + ROA 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 4.5% in tier
- - Margin Compression: Bottom 11.5% in tier
- - Stagnation Risk: Bottom 13.3% in tier
- - Membership Headwinds: Bottom 26.8% in tier
- - Flatlined Growth: Bottom 54.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,400
-1.2% YoY-0.3% QoQ
|
-1.2K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$254.6M
+2.0% YoY+0.7% QoQ
|
+$23.3M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$130.6M
+9.0% YoY+3.0% QoQ
|
$-17.2M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$224.2M
+1.6% YoY-0.2% QoQ
|
+$23.9M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
1.1%
-25.6% YoY+47.7% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
3.1%
-6.0% YoY+12.0% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
25% |
| Efficiency Ratio |
67.1%
+15.6% YoY-9.7% QoQ
|
-10.2% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.3%
-56.2% YoY+11.7% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
58.3%
+7.3% YoY+3.2% QoQ
|
-14.4% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$24,640
+5.5% YoY+1.3% QoQ
|
+$277 |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
12.7%
-1.6% YoY-0.7% QoQ
|
-11.7% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)