BlastPoint's Credit Union Scorecard
ALIQUIPPA TEACHERS
Charter #2098 · PA
2556 CUs in <100M nationally
190 in PA
ALIQUIPPA TEACHERS has 9 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.47% above tier average
- + Net Interest Margin 0.61% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.9% in tier
- + Net Worth Ratio: Top 3.9% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -6.8% YoY
- - Total Assets: Bottom 0.6% in tier
- - Total Deposits: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.5% in tier
- - Asset Growth Rate: Bottom 2.1% in tier
- - Total Members: Bottom 2.1% in tier
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
123
-6.8% YoY-5.4% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$139,126
-14.2% YoY-17.8% QoQ
|
$-30.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.6% in tier |
| Loans |
$13,894
-75.9% YoY-49.0% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.2% in tier |
| Deposits |
$91,847
-21.4% YoY-24.8% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.6% in tier |
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| ROA |
3.1%
+58.6% YoY-13.8% QoQ
|
+2.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.3% in tier |
| NIM |
4.6%
+3.3% YoY+3.0% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
32.3%
-42.2% YoY+69.1% QoQ
|
-50.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
15.1%
-69.3% YoY-32.2% QoQ
|
-45.5% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$859.7
-35.0% YoY-25.2% QoQ
|
$-14K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 0.8% in tier |
| CD Concentration | 0.0% | -24.4% | 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 (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
24
Efficiency Ratio
profitability
Value:
32.30%
Peer Median: -
#24 of 2556
Top 0.9% in <100M tier
34
Return on Assets (ROA)
profitability
Value:
3.09%
Peer Median: -
#34 of 2556
Top 1.3% in <100M tier
101
Net Worth Ratio
risk
Value:
33.92%
Peer Median: -
#101 of 2556
Top 3.9% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
632
Net Interest Margin (NIM)
profitability
Value:
4.57%
Peer Median: -
#632 of 2556
Top 24.7% in <100M tier
Top Weaknesses (14 metrics)
2541
Total Assets
balance_sheet
Value:
$139,126
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2540
Total Deposits
balance_sheet
Value:
$91,847
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2538
AMR Growth Rate
growth
Value:
-34.96%
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2535
Average Member Relationship (AMR)
engagement
Value:
$859.68
Peer Median: -
#2535 of 2556
Bottom 0.9% in <100M tier
2534
Loan Growth Rate
growth
Value:
-75.87%
Peer Median: -
#2534 of 2556
Bottom 0.9% in <100M tier
2526
Total Loans
balance_sheet
Value:
$13,894
Peer Median: -
#2526 of 2556
Bottom 1.2% in <100M tier
2522
Loan-to-Member Ratio (LMR)
engagement
Value:
$112.96
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2519
Deposit Growth Rate
growth
Value:
-21.43%
Peer Median: -
#2519 of 2556
Bottom 1.5% in <100M tier
2504
Asset Growth Rate
growth
Value:
-14.22%
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier
2504
Total Members
engagement
Value:
123
Peer Median: -
#2504 of 2556
Bottom 2.1% in <100M tier