BlastPoint's Credit Union Scorecard
MT PLEASANT AREA SCHOOL EMP
Charter #17136 · PA
<100M
2508 CUs in <100M nationally
186 in PA
MT PLEASANT AREA SCHOOL EMP has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.64% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.9% YoY
- - Total Members: Bottom 2.6% in tier
- - Loan Growth Rate: Bottom 3.7% in tier
- - Member Growth Rate: Bottom 6.2% in tier
- - Total Loans: Bottom 6.9% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Net Interest Margin (NIM): Bottom 7.5% in tier
- - Members Per Employee (MPE): Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136
-9.9% YoY-0.7% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 2.5% in tier |
| Assets |
$2.3M
-3.5% YoY-1.1% QoQ
|
$-27.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.3% in tier |
| Loans |
$417,014
-25.5% YoY-6.5% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.9% in tier |
| Deposits |
$1.7M
-6.9% YoY-2.0% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+0.2% YoY-6.8% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 9.2% in tier |
| NIM |
2.5%
-1.4% YoY-2.5% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio |
28.0%
-5.3% YoY+7.7% QoQ
|
-62.6% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 0.9% in tier |
| Delinquency Rate | 0.0% | -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 |
24.4%
-20.0% YoY-4.6% QoQ
|
-34.1% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.9% in tier |
| AMR |
$15,621
-1.4% YoY-2.2% QoQ
|
+$737 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
24.0%
-9.9% YoY+2.7% QoQ
|
-0.2% | 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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
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
24
Efficiency Ratio
profitability
Value:
28.04%
Peer Median: 81.45%
#24 of 2508
Top 0.9% in <100M tier
231
Return on Assets (ROA)
profitability
Value:
1.79%
Peer Median: 0.61%
#231 of 2508
Top 9.2% in <100M tier
271
Net Worth Ratio
risk
Value:
24.97%
Peer Median: 14.28%
#271 of 2508
Top 10.8% 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)
2445
Total Members
engagement
Value:
136
Peer Median: 1,918
#2445 of 2508
Bottom 2.6% in <100M tier
2416
Loan Growth Rate
growth
Value:
-25.50%
Peer Median: -2.36%
#2416 of 2508
Bottom 3.7% in <100M tier
2353
Member Growth Rate
growth
Value:
-9.93%
Peer Median: -1.37%
#2353 of 2508
Bottom 6.2% in <100M tier
2336
Total Loans
balance_sheet
Value:
$417,014
Peer Median: $9.48M
#2336 of 2508
Bottom 6.9% in <100M tier
2334
Loan-to-Share Ratio
balance_sheet
Value:
24.42%
Peer Median: 58.72%
#2334 of 2508
Bottom 7.0% in <100M tier
2321
Net Interest Margin (NIM)
profitability
Value:
2.47%
Peer Median: 3.83%
#2321 of 2508
Bottom 7.5% in <100M tier
2284
Members Per Employee (MPE)
engagement
Value:
136.000
Peer Median: 333.750
#2284 of 2508
Bottom 9.0% in <100M tier
2265
Fee Income Per Member
profitability
Value:
$1.71
Peer Median: $60.42
#2265 of 2508
Bottom 9.7% in <100M tier
2249
Total Assets
balance_sheet
Value:
$2.28M
Peer Median: $21.86M
#2249 of 2508
Bottom 10.4% in <100M tier
2245
Total Deposits
balance_sheet
Value:
$1.71M
Peer Median: $18.77M
#2245 of 2508
Bottom 10.5% in <100M tier