BlastPoint's Credit Union Scorecard
P & G MEHOOPANY EMPLOYEES
Charter #20861 · PA
P & G MEHOOPANY EMPLOYEES has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.87% above tier average
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio: Top 6.1% in tier
- + Members Per Employee (MPE): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 6.9% in tier
- - Loan-to-Share Ratio: 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 |
16,517
+0.9% YoY+0.2% QoQ
|
+1.1K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$186.6M
+5.5% YoY+3.1% QoQ
|
$-45.3M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$74.3M
-3.1% YoY+0.2% QoQ
|
$-73.1M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$158.2M
+4.1% YoY+3.3% QoQ
|
$-42.6M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
1.6%
+1.5% YoY-7.0% QoQ
|
+0.9% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 7.5% in tier |
| NIM |
3.7%
+0.6% YoY-0.4% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
58.7%
-0.8% YoY+5.0% QoQ
|
-18.3% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 6.1% in tier |
| Delinquency Rate |
0.3%
-33.3% YoY+6.8% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
20% |
| Loan To Share |
47.0%
-7.0% YoY-2.9% QoQ
|
-25.3% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.2% in tier |
| AMR |
$14,075
+0.8% YoY+2.1% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.8% in tier |
| CD Concentration |
12.6%
+0.3% YoY+5.7% QoQ
|
-11.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)