BlastPoint's Credit Union Scorecard
YORK EDUCATIONAL
Charter #19429 · PA
YORK EDUCATIONAL has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.28% above tier average
- + Strong member growth: 40.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,759
+40.7% YoY+0.6% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$44.6M
+6.0% YoY+1.5% QoQ
|
+$14.5M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$19.7M
+17.3% YoY+3.7% QoQ
|
+$3.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$39.9M
+7.7% YoY+1.0% QoQ
|
+$14.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.9%
+35.1% YoY-9.0% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.1%
+6.0% YoY+0.4% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
74.4%
-0.6% YoY+5.6% QoQ
|
-8.1% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.1%
+398.6% YoY+744.7% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
49.4%
+8.9% YoY+2.6% QoQ
|
-11.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$15,851
-21.3% YoY+1.3% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration |
15.0%
+75.8% YoY+9.9% QoQ
|
-9.4% | 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)