BlastPoint's Credit Union Scorecard
WESTERN PA
Charter #21140 · PA
WESTERN PA faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 36.78% above tier (higher cost structure)
- - Delinquency rate 1.15% above tier average
- - Member decline: -5.3% YoY
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Share Certificate Concentration (%): Bottom 4.0% in tier
- - First Mortgage Concentration (%): 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 |
1,243
-5.3% YoY-0.6% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$22.1M
-5.2% YoY+0.1% QoQ
|
$-8.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$10.5M
-6.0% YoY-1.6% QoQ
|
$-5.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$19.2M
-5.6% YoY+0.0% QoQ
|
$-6.5M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
-0.3%
-63.1% YoY-23.3% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.4% in tier |
| NIM |
1.8%
+25.0% YoY+10.5% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
119.3%
-20.3% YoY-6.5% QoQ
|
+36.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate |
2.7%
-27.9% YoY-11.4% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.7% in tier |
| Loan To Share |
54.9%
-0.4% YoY-1.6% QoQ
|
-5.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
41% |
| AMR |
$23,930
-0.5% YoY+0.1% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 10.2% in tier |
| CD Concentration |
49.2%
+0.4% YoY-0.2% QoQ
|
+24.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
5.5%
-14.1% YoY-2.0% QoQ
|
-8.3% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)