BlastPoint's Credit Union Scorecard
PENN HILLS MUNICIPAL
Charter #16636 · PA
<100M
2508 CUs in <100M nationally
186 in PA
PENN HILLS MUNICIPAL has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.50% above tier average
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.69% above tier average
- - Loan Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 1.7% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Total Members: Bottom 4.8% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.3% in tier
- - Total Loans: Bottom 9.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
203
+3.0% YoY0% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 4.8% in tier |
| Assets |
$2.3M
-4.4% YoY+0.4% QoQ
|
$-27.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.3% in tier |
| Loans |
$744,412
-36.5% YoY-11.3% QoQ
|
$-14.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.4% in tier |
| Deposits |
$1.6M
-6.1% YoY-0.1% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.2% in tier |
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| ROA |
1.6%
-50.7% YoY+128.9% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 12.0% in tier |
| NIM |
2.9%
-20.3% YoY+2.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
61.8%
+39.9% YoY-5.6% QoQ
|
-28.8% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 14.2% in tier |
| Delinquency Rate |
4.2%
+32.1% YoY+6.4% QoQ
|
+2.7 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
45.3%
-32.4% YoY-11.2% QoQ
|
-13.2% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$11,764
-20.7% YoY-3.9% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
190
Net Worth Ratio
risk
Value:
27.55%
Peer Median: 14.28%
#190 of 2508
Top 7.5% in <100M tier
292
Member Growth Rate
growth
Value:
3.05%
Peer Median: -1.37%
#292 of 2508
Top 11.6% in <100M tier
302
Return on Assets (ROA)
profitability
Value:
1.65%
Peer Median: 0.61%
#302 of 2508
Top 12.0% in <100M tier
356
Efficiency Ratio
profitability
Value:
61.83%
Peer Median: 81.45%
#356 of 2508
Top 14.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (12 metrics)
2469
Loan Growth Rate
growth
Value:
-36.49%
Peer Median: -2.36%
#2469 of 2508
Bottom 1.6% in <100M tier
2467
AMR Growth Rate
growth
Value:
-20.71%
Peer Median: 1.27%
#2467 of 2508
Bottom 1.7% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2388
Total Members
engagement
Value:
203
Peer Median: 1,918
#2388 of 2508
Bottom 4.8% in <100M tier
2347
Members Per Employee (MPE)
engagement
Value:
101.500
Peer Median: 333.750
#2347 of 2508
Bottom 6.5% in <100M tier
2326
Total Delinquency Rate (60+ days)
risk
Value:
4.19%
Peer Median: 0.65%
#2326 of 2508
Bottom 7.3% in <100M tier
2271
Total Loans
balance_sheet
Value:
$744,412
Peer Median: $9.48M
#2271 of 2508
Bottom 9.5% in <100M tier
2253
Total Deposits
balance_sheet
Value:
$1.64M
Peer Median: $18.77M
#2253 of 2508
Bottom 10.2% in <100M tier
2250
Total Assets
balance_sheet
Value:
$2.27M
Peer Median: $21.86M
#2250 of 2508
Bottom 10.3% in <100M tier
2155
Deposit Growth Rate
growth
Value:
-6.11%
Peer Median: 0.66%
#2155 of 2508
Bottom 14.1% in <100M tier