BlastPoint's Credit Union Scorecard

P & G MEHOOPANY EMPLOYEES

Charter #20861 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

P & G MEHOOPANY EMPLOYEES has 8 strengths but faces 4 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.71% above tier average
+ Members Per Employee (MPE): Top 4.4% in tier
+ Efficiency Ratio: Top 7.0% in tier
+ Total Delinquency Rate (60+ days): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 4.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- Average Member Relationship (AMR): Bottom 8.3% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +6.5% year over year ($165M in shares and deposits).
Membership: 16,687 members, +1.7% vs a year ago.
Delinquency rate 0.14%.
Return on assets 1.57%.
Efficiency ratio 58.31% vs a 76.73% peer average.
Loan-to-share ratio 48.57% vs a 71.54% 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	16,687 +1.7% YoY+0.4% QoQ	+1.5K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	66%
Assets	$195.3M +7.2% YoY-0.7% QoQ	$-36.7M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	50%
Loans	$80.3M +9.5% YoY+2.3% QoQ	$-65.9M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	24%
Deposits	$165.4M +6.5% YoY-1.3% QoQ	$-35.3M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	48%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.6% -8.9% YoY+19.8% QoQ	+0.7%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Top 11.3% in tier
NIM	3.6% -1.1% YoY+2.7% QoQ	-0.1%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	46%
Efficiency Ratio	58.3% +2.2% YoY-6.0% QoQ	-18.4%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 7.0% in tier
Delinquency Rate	0.1% -59.6% YoY-31.8% QoQ	-0.7	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	Top 7.7% in tier
Loan To Share	48.6% +2.8% YoY+3.7% QoQ	-23.0%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 10.3% in tier
AMR	$14,725 +5.7% YoY-0.5% QoQ	$-10K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Bottom 8.2% in tier
CD Concentration	12.7% +6.3% YoY+0.4% QoQ	-11.9%	24.6%	15.6%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#79 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.70%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.57%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#83 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.57%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.70%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Organic Growth Leader

growth

#236 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.70%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#417 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.67%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (1)

Margin Compression

decline

#76 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.57%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.72%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 521.469

Peer Median: 310.924

#46 of 1024 Top 4.4% in 100M-500M tier

Efficiency Ratio

profitability

Value: 58.31%

Peer Median: 77.26%

#73 of 1024 Top 7.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.71%

#80 of 1024 Top 7.7% in 100M-500M tier

116

Return on Assets (ROA)

profitability

Value: 1.57%

Peer Median: 0.75%

#116 of 1024 Top 11.2% in 100M-500M tier

155

Share Certificate Concentration (%)

balance_sheet

Value: 12.68%

Peer Median: 23.39%

#155 of 1024 Top 15.0% in 100M-500M tier

180

Loan Growth Rate

growth

Value: 9.49%

Peer Median: 3.02%

#180 of 1024 Top 17.5% in 100M-500M tier

185

Net Worth Ratio

risk

Value: 14.85%

Peer Median: 11.71%

#185 of 1024 Top 18.0% in 100M-500M tier

228

Asset Growth Rate

growth

Value: 7.21%

Peer Median: 4.12%

#228 of 1024 Top 22.2% in 100M-500M tier

251

Deposit Growth Rate

growth

Value: 6.51%

Peer Median: 3.58%

#251 of 1024 Top 24.4% in 100M-500M tier

Top Weaknesses (5 metrics)

977

Fee Income Per Member

profitability

Value: $65.73

Peer Median: $159.88

#977 of 1024 Bottom 4.7% in 100M-500M tier

975

Loan-to-Member Ratio (LMR)

engagement

Value: $4,814

Peer Median: $9,434

#975 of 1024 Bottom 4.9% in 100M-500M tier

940

Average Member Relationship (AMR)

engagement

Value: $14,725

Peer Median: $23,006

#940 of 1024 Bottom 8.3% in 100M-500M tier

919

Loan-to-Share Ratio

balance_sheet

Value: 48.57%

Peer Median: 73.07%

#919 of 1024 Bottom 10.4% in 100M-500M tier

779

Total Loans

balance_sheet

Value: $80.33M

Peer Median: $124.04M

#779 of 1024 Bottom 24.0% in 100M-500M tier