BlastPoint's Credit Union Scorecard
YORK EDUCATIONAL
Charter #19429 ยท PA
2596 CUs in <100M nationally
198 in PA
YORK EDUCATIONAL has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Strong member growth: 40.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.8% in tier
- + Loan Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 1.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,738
+40.2% YoY+37.1% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$44.0M
+6.1% YoY-2.0% QoQ
|
+$14.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$19.0M
+14.8% YoY+2.3% QoQ
|
+$3.2M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$39.5M
+8.1% YoY-0.5% QoQ
|
+$14.0M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
75% |
| ROA |
1.0%
+102.7% YoY-4.6% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
61% |
| NIM |
3.1%
+11.4% YoY+2.4% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
70.5%
-10.7% YoY+6.8% QoQ
|
-10.9% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.0%
+357.4% YoY-45.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
48.2%
+6.2% YoY+2.9% QoQ
|
-13.1% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$15,646
-21.4% YoY-26.8% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
13.6%
+78.9% YoY+9.4% QoQ
|
-10.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
23
Member Growth Rate
growth
Value:
40.16%
Peer Avg: 14.92%
#23 of 2596
Top 0.8% in <100M tier
162
Loan Growth Rate
growth
Value:
14.78%
Peer Avg: 59.01%
#162 of 2596
Top 6.2% in <100M tier
333
Deposit Growth Rate
growth
Value:
8.10%
Peer Avg: 16.80%
#333 of 2596
Top 12.8% in <100M tier
357
Total Delinquency Rate (60+ days)
risk
Value:
0.02%
Peer Avg: 1.51%
#357 of 2596
Top 13.7% in <100M tier
442
Fee Income Per Member
profitability
Value:
$140.27
Peer Avg: $182.96
#442 of 2596
Top 17.0% in <100M tier
514
Asset Growth Rate
growth
Value:
6.14%
Peer Avg: 1.82%
#514 of 2596
Top 19.8% in <100M tier
620
Total Members
engagement
Value:
3,738
Peer Avg: 2,626
#620 of 2596
Top 23.8% in <100M tier
643
Total Deposits
balance_sheet
Value:
$39.47M
Peer Avg: $25.45M
#643 of 2596
Top 24.7% in <100M tier
Top Weaknesses (3 metrics)
2548
AMR Growth Rate
growth
Value:
-21.38%
Peer Avg: 4.67%
#2548 of 2596
Bottom 1.9% in <100M tier
2145
Net Worth Ratio
risk
Value:
10.09%
Peer Avg: 16.43%
#2145 of 2596
Bottom 17.4% in <100M tier
2079
Net Interest Margin (NIM)
profitability
Value:
3.06%
Peer Avg: 3.93%
#2079 of 2596
Bottom 20.0% in <100M tier