BlastPoint's Credit Union Scorecard
PENN HILLS MUNICIPAL
Charter #16636 · PA
2596 CUs in <100M nationally
198 in PA
PENN HILLS MUNICIPAL has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% 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 Worth Ratio: Top 7.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.01% above tier average
- - Member decline: -2.4% YoY
- - Loan Growth Rate: Bottom 2.4% in tier
- - AMR Growth Rate: Bottom 2.7% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Total Members: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
204
-2.4% YoY+0.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 4.9% in tier |
| Assets |
$2.2M
-9.1% YoY-4.4% QoQ
|
$-27.6M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.8% in tier |
| Loans |
$1.0M
-30.1% YoY-4.6% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.7% in tier |
| Deposits |
$1.6M
-12.1% YoY-6.7% QoQ
|
$-23.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.5% in tier |
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| ROA |
0.7%
-67.6% YoY+1361.9% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.1%
-9.9% YoY+8.1% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
60.0%
+30.9% YoY-2.1% QoQ
|
-21.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate |
3.5%
-42.1% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 10.0% in tier |
| Loan To Share |
62.6%
-20.5% YoY+2.2% QoQ
|
+1.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$12,915
-18.1% YoY-6.4% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
207
Net Worth Ratio
risk
Value:
27.40%
Peer Avg: -
#207 of 2596
Top 7.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
366
Efficiency Ratio
profitability
Value:
60.02%
Peer Avg: -
#366 of 2596
Top 14.1% in <100M tier
Top Weaknesses (12 metrics)
2534
Loan Growth Rate
growth
Value:
-30.11%
Peer Avg: -
#2534 of 2596
Bottom 2.4% in <100M tier
2528
AMR Growth Rate
growth
Value:
-18.09%
Peer Avg: -
#2528 of 2596
Bottom 2.7% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2469
Total Members
engagement
Value:
204
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2464
Deposit Growth Rate
growth
Value:
-12.13%
Peer Avg: -
#2464 of 2596
Bottom 5.1% in <100M tier
2433
Members Per Employee (MPE)
engagement
Value:
102.000
Peer Avg: -
#2433 of 2596
Bottom 6.3% in <100M tier
2430
Asset Growth Rate
growth
Value:
-9.06%
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2337
Total Delinquency Rate (60+ days)
risk
Value:
3.52%
Peer Avg: -
#2337 of 2596
Bottom 10.0% in <100M tier
2323
Total Deposits
balance_sheet
Value:
$1.62M
Peer Avg: -
#2323 of 2596
Bottom 10.6% in <100M tier
2316
Total Assets
balance_sheet
Value:
$2.23M
Peer Avg: -
#2316 of 2596
Bottom 10.8% in <100M tier