BlastPoint's Credit Union Scorecard
ALIQUIPPA TEACHERS
Charter #2098 · PA
<100M
2508 CUs in <100M nationally
186 in PA
ALIQUIPPA TEACHERS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 49.30% above tier (higher cost structure)
- - Member decline: -7.6% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.6% in tier
- - Total Deposits: Bottom 0.6% in tier
- - AMR Growth Rate: Bottom 0.7% in tier
- - Average Member Relationship (AMR): Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
122
-7.6% YoY-0.8% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$131,327
-20.8% YoY-5.6% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.5% in tier |
| Loans |
$6,999
-80.0% YoY-49.6% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.9% in tier |
| Deposits |
$85,892
-28.3% YoY-6.5% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.6% in tier |
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| ROA |
-0.8%
-116.6% YoY-124.4% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.0% in tier |
| NIM |
1.9%
-70.0% YoY-58.6% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.1% in tier |
| Efficiency Ratio |
139.9%
+400.0% YoY+333.3% QoQ
|
+49.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.6% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
8.1%
-72.1% YoY-46.1% QoQ
|
-50.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.6% in tier |
| AMR |
$761.4
-35.1% YoY-11.4% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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 (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
92
Net Worth Ratio
risk
Value:
34.56%
Peer Median: 14.28%
#92 of 2508
Top 3.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (17 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2495
Total Assets
balance_sheet
Value:
$131,327
Peer Median: $21.86M
#2495 of 2508
Bottom 0.6% in <100M tier
2494
Total Deposits
balance_sheet
Value:
$85,892
Peer Median: $18.77M
#2494 of 2508
Bottom 0.6% in <100M tier
2492
AMR Growth Rate
growth
Value:
-35.11%
Peer Median: 1.27%
#2492 of 2508
Bottom 0.7% in <100M tier
2492
Average Member Relationship (AMR)
engagement
Value:
$761.40
Peer Median: $13,926
#2492 of 2508
Bottom 0.7% in <100M tier
2489
Loan Growth Rate
growth
Value:
-80.02%
Peer Median: -2.36%
#2489 of 2508
Bottom 0.8% in <100M tier
2489
Deposit Growth Rate
growth
Value:
-28.34%
Peer Median: 0.66%
#2489 of 2508
Bottom 0.8% in <100M tier
2486
Total Loans
balance_sheet
Value:
$6,999
Peer Median: $9.48M
#2486 of 2508
Bottom 0.9% in <100M tier
2485
Asset Growth Rate
growth
Value:
-20.78%
Peer Median: 1.30%
#2485 of 2508
Bottom 1.0% in <100M tier
2485
Loan-to-Member Ratio (LMR)
engagement
Value:
$57.37
Peer Median: $4,923
#2485 of 2508
Bottom 1.0% in <100M tier