BlastPoint's Credit Union Scorecard
ALIQUIPPA TEACHERS
Charter #2098 · PA
2596 CUs in <100M nationally
198 in PA
ALIQUIPPA TEACHERS has 9 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.90% above tier average
- + Net Interest Margin 0.50% 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 0.5% in tier
- + Net Worth Ratio: Top 7.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Total Assets: Bottom 0.8% in tier
- - Total Deposits: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 1.5% in tier
- - Total Loans: Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.0% in tier
- - Total Members: Bottom 2.3% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130
-2.3% YoY-0.8% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 2.2% in tier |
| Assets |
$169,195
+3.0% YoY-1.9% QoQ
|
$-29.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.8% in tier |
| Loans |
$27,261
-10.9% YoY-41.6% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.6% in tier |
| Deposits |
$122,130
+2.9% YoY-2.5% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.9% in tier |
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| ROA |
3.6%
+90.5% YoY-5.7% QoQ
|
+2.9% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 1.5% in tier |
| NIM |
4.4%
+11.4% YoY-7.7% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
19.1%
-63.8% YoY-8.0% QoQ
|
-62.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
22.3%
-13.4% YoY-40.1% QoQ
|
-38.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.4% in tier |
| AMR |
$1,149
+2.4% YoY-12.4% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.5% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
15
Efficiency Ratio
profitability
Value:
19.10%
Peer Avg: -
#15 of 2596
Top 0.5% in <100M tier
38
Return on Assets (ROA)
profitability
Value:
3.59%
Peer Avg: -
#38 of 2596
Top 1.4% in <100M tier
199
Net Worth Ratio
risk
Value:
27.79%
Peer Avg: -
#199 of 2596
Top 7.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2575
Total Assets
balance_sheet
Value:
$169,195
Peer Avg: -
#2575 of 2596
Bottom 0.8% in <100M tier
2573
Total Deposits
balance_sheet
Value:
$122,130
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2558
Average Member Relationship (AMR)
engagement
Value:
$1,149
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2555
Total Loans
balance_sheet
Value:
$27,261
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier
2546
Loan-to-Member Ratio (LMR)
engagement
Value:
$209.70
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2537
Total Members
engagement
Value:
130
Peer Avg: -
#2537 of 2596
Bottom 2.3% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2452
Loan-to-Share Ratio
balance_sheet
Value:
22.32%
Peer Avg: -
#2452 of 2596
Bottom 5.6% in <100M tier
2383
Members Per Employee (MPE)
engagement
Value:
130.000
Peer Avg: -
#2383 of 2596
Bottom 8.2% in <100M tier
2106
Loan Growth Rate
growth
Value:
-10.87%
Peer Avg: -
#2106 of 2596
Bottom 18.9% in <100M tier