BlastPoint's Credit Union Scorecard
MCKEESPORT AREA PUBLIC SCHOOL EMP
Charter #2003 · PA
MCKEESPORT AREA PUBLIC SCHOOL EMP has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.16% above tier average
- + Net Interest Margin 1.47% above tier average
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Efficiency Ratio: Top 4.8% in tier
- + Net Worth Ratio: Top 8.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.96% above tier average
- - Member decline: -2.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +1.3% year over year ($3.0M in shares and deposits).
- Membership: 528 members, -2.0% vs a year ago.
- Delinquency rate 3.51%.
- Return on assets 2.65%.
- Efficiency ratio 51.14% vs a 88.77% peer average.
- Loan-to-share ratio 115.08% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
528
-2.0% YoY-2.9% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 14.4% in tier |
| Assets |
$4.2M
+3.1% YoY+1.2% QoQ
|
$-26.1M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
16% |
| Loans |
$3.5M
+0.2% YoY-1.6% QoQ
|
$-12.0M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$3.0M
+1.3% YoY+0.8% QoQ
|
$-22.8M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
15% |
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| ROA |
2.7%
+23.3% YoY-2.5% QoQ
|
+1.2% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 5.1% in tier |
| NIM |
5.4%
+4.5% YoY-7.9% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
51.1%
+11.8% YoY-4.3% QoQ
|
-37.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
3.5%
+135.6% YoY+587.7% QoQ
|
+2.0 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.8% in tier |
| Loan To Share |
115.1%
-1.0% YoY-2.3% QoQ
|
+56.2% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 0.9% in tier |
| AMR |
$12,362
+2.8% YoY+2.5% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration |
16.2%
+34.3% YoY+17.6% QoQ
|
-8.3% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)