BlastPoint's Credit Union Scorecard
POCONO MEDICAL CENTER
Charter #21240 · PA
POCONO MEDICAL CENTER has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.00% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 7.65% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 5.8% in tier
- - Loan Growth Rate: Bottom 7.8% in tier
- - Average Member Relationship (AMR): Bottom 9.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
903
+0.8% YoY+0.6% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$3.5M
-4.3% YoY+0.6% QoQ
|
$-26.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.2% in tier |
| Loans |
$1.5M
-17.6% YoY-9.1% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.6% in tier |
| Deposits |
$3.0M
-5.4% YoY+0.6% QoQ
|
$-22.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.4%
-52.5% YoY+2.8% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
5.0%
+1.7% YoY+4.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
85% |
| Efficiency Ratio |
90.2%
+8.1% YoY+0.9% QoQ
|
+7.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.5%
+59.6% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
49.1%
-12.9% YoY-9.6% QoQ
|
-11.5% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$5,021
-10.5% YoY-3.4% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
2.2%
-0.9% YoY+16.7% QoQ
|
-22.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)