BlastPoint's Credit Union Scorecard

PENN STATE

Charter #12729 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

PENN STATE has 5 strengths but faces 2 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 50.0% in tier
+ ROA 1.10% above tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio: Top 4.7% in tier
+ Net Charge-Off Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	14,380 -0.8% YoY+0.0% QoQ	-765	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	56%
Assets	$270.2M +6.8% YoY+4.2% QoQ	+$38.5M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	68%
Loans	$136.8M +9.9% YoY+2.2% QoQ	$-7.3M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	57%
Deposits	$235.4M +4.8% YoY+3.5% QoQ	+$34.3M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	67%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.8% +47.4% QoQ	+1.1%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Top 5.4% in tier
NIM	3.8% +95.0% YoY+14.3% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	55.7% -44.6% YoY-12.3% QoQ	-22.3%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Top 4.7% in tier
Delinquency Rate	0.2% -54.5% YoY-10.0% QoQ	-0.5	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	15%
Loan To Share	58.1% +4.8% YoY-1.3% QoQ	-12.3%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	23%
AMR	$25,885 +7.4% YoY+3.0% QoQ	+$966	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	66%
CD Concentration	13.8% +10.3% YoY+4.0% QoQ	-10.4%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#238 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 7.45%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#530 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#565 of 570 • Bottom 50.0% 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): -0.79%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 9.85%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.22%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 55.70%

Peer Median: 78.68%

#51 of 1070 Top 4.7% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.83%

Peer Median: 0.69%

#58 of 1070 Top 5.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Median: 0.35%

#95 of 1070 Top 8.8% in 100M-500M tier

165

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.61%

#165 of 1070 Top 15.3% in 100M-500M tier

186

AMR Growth Rate

growth

Value: 7.45%

Peer Median: 3.46%

#186 of 1070 Top 17.3% in 100M-500M tier

187

Loan Growth Rate

growth

Value: 9.85%

Peer Median: 2.93%

#187 of 1070 Top 17.4% in 100M-500M tier

203

Share Certificate Concentration (%)

balance_sheet

Value: 13.83%

Peer Median: 23.10%

#203 of 1070 Top 18.9% in 100M-500M tier

229

Net Worth Ratio

risk

Value: 13.94%

Peer Median: 11.45%

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (2 metrics)

905

Fee Income Per Member

profitability

Value: $93.03

Peer Median: $154.95

#905 of 1070 Bottom 15.5% in 100M-500M tier

822

Loan-to-Share Ratio

balance_sheet

Value: 58.12%

Peer Median: 71.88%

#822 of 1070 Bottom 23.3% in 100M-500M tier