BlastPoint's Credit Union Scorecard
HILL DISTRICT
Charter #20354 · PA
2556 CUs in <100M nationally
190 in PA
HILL DISTRICT has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.0% in tier
- + Member Growth Rate: Top 6.4% in tier
- + Members Per Employee (MPE): Top 6.5% in tier
- + Asset Growth Rate: Top 8.5% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Delinquency rate 26.95% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.4% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
- - Net Charge-Off Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,746
+4.7% YoY+1.3% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$16.6M
+10.3% YoY-0.2% QoQ
|
$-13.6M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$4.4M
+6.9% YoY-2.7% QoQ
|
$-11.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$11.8M
+16.2% YoY-0.1% QoQ
|
$-13.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
-0.3%
-178.9% YoY-150.1% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.6% in tier |
| NIM |
3.2%
-16.4% YoY+11.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
72.7%
-6.1% YoY+9.7% QoQ
|
-9.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
28.5%
+24.8% YoY+12.7% QoQ
|
+26.9 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.8% in tier |
| Loan To Share |
36.9%
-8.0% YoY-2.6% QoQ
|
-23.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$4,310
+8.4% YoY-2.1% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.8% in tier |
| CD Concentration |
7.9%
+6.7% YoY+5.1% QoQ
|
-16.5% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
78
Deposit Growth Rate
growth
Value:
16.16%
Peer Median: -
#78 of 2556
Top 3.0% in <100M tier
165
Member Growth Rate
growth
Value:
4.70%
Peer Median: -
#165 of 2556
Top 6.4% in <100M tier
166
Members Per Employee (MPE)
engagement
Value:
624.333
Peer Median: -
#166 of 2556
Top 6.5% in <100M tier
218
Asset Growth Rate
growth
Value:
10.26%
Peer Median: -
#218 of 2556
Top 8.5% in <100M tier
221
Net Worth Ratio
risk
Value:
26.98%
Peer Median: -
#221 of 2556
Top 8.6% in <100M tier
332
AMR Growth Rate
growth
Value:
8.41%
Peer Median: -
#332 of 2556
Top 12.9% in <100M tier
415
Loan Growth Rate
growth
Value:
6.86%
Peer Median: -
#415 of 2556
Top 16.2% in <100M tier
604
Total Members
engagement
Value:
3,746
Peer Median: -
#604 of 2556
Top 23.6% in <100M tier
Top Weaknesses (6 metrics)
2537
Total Delinquency Rate (60+ days)
risk
Value:
28.50%
Peer Median: -
#2537 of 2556
Bottom 0.8% in <100M tier
2393
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,162
Peer Median: -
#2393 of 2556
Bottom 6.4% in <100M tier
2381
Average Member Relationship (AMR)
engagement
Value:
$4,310
Peer Median: -
#2381 of 2556
Bottom 6.9% in <100M tier
2346
Net Charge-Off Rate
risk
Value:
1.61%
Peer Median: -
#2346 of 2556
Bottom 8.3% in <100M tier
2284
Return on Assets (ROA)
profitability
Value:
-0.32%
Peer Median: -
#2284 of 2556
Bottom 10.7% in <100M tier
2137
Loan-to-Share Ratio
balance_sheet
Value:
36.92%
Peer Median: -
#2137 of 2556
Bottom 16.4% in <100M tier