BlastPoint's Credit Union Scorecard
PENN SOUTH COOPERATIVE
Charter #15459 · NY
PENN SOUTH COOPERATIVE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Loan-to-Share Ratio: Top 2.5% in tier
- + AMR Growth Rate: Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.1% YoY
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Members Per Employee (MPE): Bottom 3.9% in tier
- - Member Growth Rate: Bottom 4.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
711
-11.1% YoY-13.0% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$8.1M
+2.1% YoY-2.3% QoQ
|
$-22.1M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$6.9M
+9.5% YoY+6.7% QoQ
|
$-8.4M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$6.8M
+2.6% YoY-2.7% QoQ
|
$-19.0M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.1%
-295.2% YoY+220.9% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
3.9%
+19.0% YoY+3.6% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
73.9%
-36.8% YoY-18.7% QoQ
|
-16.8% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
1.4%
-14.3% YoY-18.9% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
102.5%
+6.7% YoY+9.6% QoQ
|
+44.0% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 2.6% in tier |
| AMR |
$19,248
+19.3% YoY+17.1% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
57.9%
-1.1% YoY+6.1% QoQ
|
+33.6% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.7% | 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)