BlastPoint's Credit Union Scorecard
HILL DISTRICT
Charter #20354 · PA
HILL DISTRICT has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.68% above tier average
- + Members Per Employee (MPE): Top 6.1% in tier
- + Member Growth Rate: Top 7.5% in tier
- + Deposit Growth Rate: Top 7.9% in tier
- + Net Worth Ratio: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 24.04% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,820
+4.5% YoY+2.0% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$16.8M
+5.4% YoY+1.2% QoQ
|
$-13.4M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
44% |
| Loans |
$4.3M
+3.9% YoY-0.7% QoQ
|
$-11.0M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
31% |
| Deposits |
$12.1M
+10.3% YoY+2.4% QoQ
|
$-13.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
0.8%
-5.2% YoY-359.6% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
3.1%
+10.0% YoY-5.4% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
84.2%
+5.4% YoY+15.8% QoQ
|
-6.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
25.5%
+7.3% YoY-10.4% QoQ
|
+24.0 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
35.8%
-5.8% YoY-3.0% QoQ
|
-22.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
17% |
| AMR |
$4,293
+3.8% YoY-0.4% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.8% in tier |
| CD Concentration |
7.8%
+10.2% YoY-1.4% QoQ
|
-16.5% | 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)