BlastPoint's Credit Union Scorecard
PENN-TRAFFORD SCHOOL EMP.
Charter #17014 · PA
PENN-TRAFFORD SCHOOL EMP. has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.58% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
548
-1.3% YoY-0.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$5.4M
+3.3% YoY+4.8% QoQ
|
$-24.8M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$2.1M
+1.1% YoY-1.1% QoQ
|
$-13.2M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$4.3M
+1.5% YoY+5.4% QoQ
|
$-21.5M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
1.7%
-21.7% YoY-25.0% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 10.5% in tier |
| NIM |
3.6%
-10.9% YoY-13.5% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
50.2%
+14.4% YoY+16.0% QoQ
|
-40.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 4.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
48.3%
-0.4% YoY-6.1% QoQ
|
-10.2% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$11,611
+2.7% YoY+3.4% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
37% |
| CD Concentration |
28.9%
+16.3% YoY+14.9% QoQ
|
+4.7% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)