BlastPoint's Credit Union Scorecard
SUSQUEHANNA VALLEY
Charter #18242 · PA
SUSQUEHANNA VALLEY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.94% above tier average
- + Net Interest Margin 0.43% above tier average
- + Total Deposits: Top 5.4% in tier
- + Total Assets: Top 6.2% in tier
- + Total Loans: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Indirect Auto Concentration (%): Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,688
-4.0% YoY-0.1% QoQ
|
+3.1K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 10.5% in tier |
| Assets |
$83.9M
-0.5% YoY+1.4% QoQ
|
+$53.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 6.3% in tier |
| Loans |
$44.6M
-2.9% YoY+1.3% QoQ
|
+$28.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 7.8% in tier |
| Deposits |
$74.1M
-2.4% YoY+0.9% QoQ
|
+$48.4M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 5.4% in tier |
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| ROA |
1.6%
+21.9% YoY-10.1% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 14.7% in tier |
| NIM |
4.4%
+11.7% YoY-6.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
68.3%
-3.2% YoY+3.5% QoQ
|
-14.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.1%
-85.7% YoY-74.7% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
17% |
| Loan To Share |
60.3%
-0.6% YoY+0.3% QoQ
|
-0.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$20,873
+1.5% YoY+1.1% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
3.7%
-18.7% YoY-2.2% QoQ
|
-20.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
27.5%
-3.6% YoY+4.7% QoQ
|
+13.7% | 13.8% | 8.1% | 7.8% | 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)