BlastPoint's Credit Union Scorecard
GREATER LATROBE SCHOOLS
Charter #18775 · PA
GREATER LATROBE SCHOOLS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.77% 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
Key Concerns
Areas that may need attention
- - ROA 1.91% below tier average
- - Efficiency ratio 23.23% above tier (higher cost structure)
- - Member decline: -2.9% YoY
- - Fee Income Per Member: Bottom 6.5% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
- - Total Members: Bottom 8.8% in tier
- - Total Assets: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
333
-2.9% YoY-1.8% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$2.1M
-7.2% YoY+1.4% QoQ
|
$-28.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.8% in tier |
| Loans |
$1.1M
-10.9% YoY-6.3% QoQ
|
$-14.7M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.6% in tier |
| Deposits |
$1.7M
-7.2% YoY+1.7% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.5% in tier |
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| ROA |
-1.3%
-180.7% YoY-19.3% QoQ
|
-1.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.7% in tier |
| NIM |
4.7%
+4.0% YoY+0.9% QoQ
|
+0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
105.8%
+62.4% YoY-0.6% QoQ
|
+23.2% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-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 |
61.3%
-4.0% YoY-7.9% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$8,342
-5.9% YoY+0.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
20% |
| 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)
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)