BlastPoint's Credit Union Scorecard
MCKEESPORT CONGREGATIONAL
Charter #1992 · PA
<100M
2596 CUs in <100M nationally
198 in PA
MCKEESPORT CONGREGATIONAL has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Efficiency Ratio: Top 0.7% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.13% above tier average
- - Member decline: -13.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Members: Bottom 0.7% in tier
- - Total Assets: Bottom 1.3% in tier
- - Total Deposits: Bottom 1.8% in tier
- - Total Loans: Bottom 2.2% in tier
- - Member Growth Rate: Bottom 3.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
66
-13.2% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.6% in tier |
| Assets |
$228,735
-3.2% YoY+2.0% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.2% in tier |
| Loans |
$52,306
-23.2% YoY-4.1% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.2% in tier |
| Deposits |
$205,763
-3.8% YoY+1.8% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.7% in tier |
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| ROA |
1.8%
+93.5% YoY-1.5% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 13.3% in tier |
| NIM |
2.2%
+61.3% YoY-0.7% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
21.0%
-38.5% YoY+3.0% QoQ
|
-60.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
1.6%
-55.1% YoY+4.2% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
25.4%
-20.2% YoY-5.7% QoQ
|
-35.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 6.9% in tier |
| AMR |
$3,910
+5.3% YoY+0.5% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% 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 (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
18
Efficiency Ratio
profitability
Value:
20.98%
Peer Median: -
#18 of 2596
Top 0.7% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#246 of 2596
Top 9.4% in <100M tier
345
Return on Assets (ROA)
profitability
Value:
1.76%
Peer Median: -
#345 of 2596
Top 13.3% in <100M tier
639
AMR Growth Rate
growth
Value:
5.33%
Peer Median: -
#639 of 2596
Top 24.6% in <100M tier
Top Weaknesses (15 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2596 of 2596
Bottom 0.1% in <100M tier
2580
Total Members
engagement
Value:
66
Peer Median: -
#2580 of 2596
Bottom 0.7% in <100M tier
2564
Total Assets
balance_sheet
Value:
$228,735
Peer Median: -
#2564 of 2596
Bottom 1.3% in <100M tier
2551
Total Deposits
balance_sheet
Value:
$205,763
Peer Median: -
#2551 of 2596
Bottom 1.8% in <100M tier
2540
Total Loans
balance_sheet
Value:
$52,306
Peer Median: -
#2540 of 2596
Bottom 2.2% in <100M tier
2501
Member Growth Rate
growth
Value:
-13.16%
Peer Median: -
#2501 of 2596
Bottom 3.7% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2495 of 2596
Bottom 3.9% in <100M tier
2480
Loan Growth Rate
growth
Value:
-23.24%
Peer Median: -
#2480 of 2596
Bottom 4.5% in <100M tier
2470
Net Interest Margin (NIM)
profitability
Value:
2.23%
Peer Median: -
#2470 of 2596
Bottom 4.9% in <100M tier
2460
Loan-to-Member Ratio (LMR)
engagement
Value:
$792.52
Peer Median: -
#2460 of 2596
Bottom 5.3% in <100M tier