BlastPoint's Credit Union Scorecard
STEAMFITTERS PHILA
Charter #18234 · PA
2556 CUs in <100M nationally
190 in PA
STEAMFITTERS PHILA has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.17% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 17.44% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 3.6% in tier
- - Total Assets: Bottom 4.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.7% in tier
- - Total Deposits: Bottom 5.0% in tier
- - Asset Growth Rate: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 6.2% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
868
-1.9% YoY0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$799,122
-9.3% YoY-0.7% QoQ
|
$-29.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.4% in tier |
| Loans |
$616,775
-24.7% YoY-8.4% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.5% in tier |
| Deposits |
$687,104
-10.7% YoY+0.3% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.0% in tier |
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| ROA |
0.0%
-100.0% YoY-100.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
5.1%
+2.0% YoY-4.5% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 11.9% in tier |
| Efficiency Ratio |
100.0%
+29.5% YoY+30.8% QoQ
|
+17.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 11.0% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
89.8%
-15.7% YoY-8.7% QoQ
|
+29.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 10.2% in tier |
| AMR |
$1,502
-16.3% YoY-4.1% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.8% in tier |
| 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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
53
Members Per Employee (MPE)
engagement
Value:
868.000
Peer Median: -
#53 of 2556
Top 2.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
258
Loan-to-Share Ratio
balance_sheet
Value:
89.76%
Peer Median: -
#258 of 2556
Top 10.1% in <100M tier
303
Net Interest Margin (NIM)
profitability
Value:
5.12%
Peer Median: -
#303 of 2556
Top 11.8% in <100M tier
Top Weaknesses (13 metrics)
2510
Average Member Relationship (AMR)
engagement
Value:
$1,502
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2483
AMR Growth Rate
growth
Value:
-16.30%
Peer Median: -
#2483 of 2556
Bottom 2.9% in <100M tier
2472
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2466
Loan Growth Rate
growth
Value:
-24.71%
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2443
Total Assets
balance_sheet
Value:
$799,122
Peer Median: -
#2443 of 2556
Bottom 4.5% in <100M tier
2438
Loan-to-Member Ratio (LMR)
engagement
Value:
$710.57
Peer Median: -
#2438 of 2556
Bottom 4.7% in <100M tier
2428
Total Deposits
balance_sheet
Value:
$687,104
Peer Median: -
#2428 of 2556
Bottom 5.0% in <100M tier
2414
Asset Growth Rate
growth
Value:
-9.31%
Peer Median: -
#2414 of 2556
Bottom 5.6% in <100M tier
2399
Deposit Growth Rate
growth
Value:
-10.68%
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2338
Total Loans
balance_sheet
Value:
$616,775
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier