BlastPoint's Credit Union Scorecard
PENN HILLS MUNICIPAL
Charter #16636 · PA
2556 CUs in <100M nationally
190 in PA
PENN HILLS MUNICIPAL has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Net Worth Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.39% above tier average
- - AMR Growth Rate: Bottom 1.5% in tier
- - Loan Growth Rate: Bottom 1.7% in tier
- - Total Members: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 7.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
203
+1.5% YoY-0.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 4.9% in tier |
| Assets |
$2.3M
-7.8% YoY+1.2% QoQ
|
$-27.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.4% in tier |
| Loans |
$839,240
-33.9% YoY-17.3% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.0% in tier |
| Deposits |
$1.6M
-11.2% YoY+1.5% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.1% in tier |
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| ROA |
0.7%
-43.4% YoY-1.0% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
2.8%
-14.8% YoY-9.4% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio |
65.5%
+18.8% YoY+9.1% QoQ
|
-17.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
3.9%
+210.3% YoY+12.1% QoQ
|
+2.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.9% in tier |
| Loan To Share |
51.0%
-25.5% YoY-18.5% QoQ
|
-9.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$12,236
-21.6% YoY-5.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
213
Net Worth Ratio
risk
Value:
27.23%
Peer Median: -
#213 of 2556
Top 8.3% in <100M tier
484
Efficiency Ratio
profitability
Value:
65.51%
Peer Median: -
#484 of 2556
Top 18.9% in <100M tier
501
Member Growth Rate
growth
Value:
1.50%
Peer Median: -
#501 of 2556
Top 19.6% in <100M tier
Top Weaknesses (12 metrics)
2518
AMR Growth Rate
growth
Value:
-21.62%
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2513
Loan Growth Rate
growth
Value:
-33.90%
Peer Median: -
#2513 of 2556
Bottom 1.7% in <100M tier
2432
Total Members
engagement
Value:
203
Peer Median: -
#2432 of 2556
Bottom 4.9% in <100M tier
2415
Deposit Growth Rate
growth
Value:
-11.22%
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2399
Members Per Employee (MPE)
engagement
Value:
101.500
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2363
Asset Growth Rate
growth
Value:
-7.82%
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2329
Total Delinquency Rate (60+ days)
risk
Value:
3.94%
Peer Median: -
#2329 of 2556
Bottom 8.9% in <100M tier
2301
Total Loans
balance_sheet
Value:
$839,240
Peer Median: -
#2301 of 2556
Bottom 10.0% in <100M tier
2297
Total Deposits
balance_sheet
Value:
$1.64M
Peer Median: -
#2297 of 2556
Bottom 10.2% in <100M tier
2290
Total Assets
balance_sheet
Value:
$2.26M
Peer Median: -
#2290 of 2556
Bottom 10.4% in <100M tier