BlastPoint's Credit Union Scorecard

YORK EDUCATIONAL

Charter #19429 · PA

<100M

2508 CUs in <100M nationally 186 in PA

YORK EDUCATIONAL demonstrates 4 strengths

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.28% above tier average
+ Loan Growth Rate: Top 4.7% in tier
+ Fee Income Per Member: Top 5.1% in tier
+ Deposit Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,787 +3.4% YoY-25.9% QoQ	+110	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	65%
Assets	$46.0M +6.7% YoY+3.1% QoQ	+$15.8M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	74%
Loans	$20.6M +16.4% YoY+4.7% QoQ	+$5.3M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	72%
Deposits	$41.3M +9.0% YoY+3.5% QoQ	+$15.5M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -54.2% YoY-52.3% QoQ	+0.3%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	41%
NIM	3.3% +13.4% YoY+8.1% QoQ	-0.7%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	29%
Efficiency Ratio	86.9% +25.3% YoY+16.7% QoQ	-3.7%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.1% -12.0% QoQ	-1.4	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	23%
Loan To Share	50.0% +6.8% YoY+1.2% QoQ	-8.5%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	36%
AMR	$22,209 +7.7% YoY+40.1% QoQ	+$7K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Top 14.8% in tier
CD Concentration	14.7% +77.3% YoY-1.6% QoQ	-9.5%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

120

Loan Growth Rate

growth

Value: 16.41%

Peer Median: -2.36%

#120 of 2508 Top 4.7% in <100M tier

128

Fee Income Per Member

profitability

Value: $198.11

Peer Median: $60.42

#128 of 2508 Top 5.1% in <100M tier

250

Deposit Growth Rate

growth

Value: 8.98%

Peer Median: 0.66%

#250 of 2508 Top 9.9% in <100M tier

271

Member Growth Rate

growth

Value: 3.38%

Peer Median: -1.37%

#271 of 2508 Top 10.8% in <100M tier

372

Average Member Relationship (AMR)

engagement

Value: $22,209

Peer Median: $13,926

#372 of 2508 Top 14.8% in <100M tier

373

AMR Growth Rate

growth

Value: 7.71%

Peer Median: 1.27%

#373 of 2508 Top 14.8% in <100M tier

403

Asset Growth Rate

growth

Value: 6.72%

Peer Median: 1.30%

#403 of 2508 Top 16.0% in <100M tier

538

Loan-to-Member Ratio (LMR)

engagement

Value: $7,402

Peer Median: $4,923

#538 of 2508 Top 21.4% in <100M tier

585

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#585 of 2508 Top 23.3% in <100M tier

Top Weaknesses (3 metrics)

2120

Members Per Employee (MPE)

engagement

Value: 199.071

Peer Median: 333.750

#2120 of 2508 Bottom 15.5% in <100M tier

2094

Net Worth Ratio

risk

Value: 9.91%

Peer Median: 14.28%

#2094 of 2508 Bottom 16.5% in <100M tier

1959

Net Charge-Off Rate

risk

Value: 0.64%

Peer Median: 0.07%

#1959 of 2508 Bottom 21.9% in <100M tier