BlastPoint's Credit Union Scorecard
PENN
Charter #20207 · PA
PENN has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.38% above tier average
- + Total Members: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.97% above tier (higher cost structure)
- - Delinquency rate 0.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,604
-0.4% YoY-0.6% QoQ
|
+3.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Top 6.5% in tier |
| Assets |
$54.6M
-0.6% YoY+0.2% QoQ
|
+$24.4M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$17.4M
-6.0% YoY-6.4% QoQ
|
+$2.1M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$39.9M
-1.0% YoY+0.2% QoQ
|
+$14.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
0.3%
-598.4% YoY-5.1% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
4.4%
+20.5% YoY+8.7% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
91.6%
-7.2% YoY+4.2% QoQ
|
+1.0% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
1.9%
+23.7% YoY+4.9% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
43.6%
-5.0% YoY-6.6% QoQ
|
-14.9% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$8,673
-2.2% YoY-1.3% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
7.2%
+5.0% YoY+10.7% QoQ
|
-17.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)