BlastPoint's Credit Union Scorecard
UKRAINIAN SELFRELIANCE OF WEST. PA.
Charter #21530 · PA
UKRAINIAN SELFRELIANCE OF WEST. PA. has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.52% below tier average
- - Efficiency ratio 17.14% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 7.1% in tier
- - Share Certificate Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
809
+2.9% YoY+0.7% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$6.5M
-0.5% YoY+0.4% QoQ
|
$-23.6M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$4.8M
+6.5% YoY-2.5% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$5.8M
+0.4% YoY+1.2% QoQ
|
$-19.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
-0.9%
+23.9% YoY+173.9% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.3% in tier |
| NIM |
4.5%
+18.5% YoY+1.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
99.7%
-7.3% YoY+1.4% QoQ
|
+17.1% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.3% in tier |
| Delinquency Rate |
0.8%
+581.4% YoY-34.5% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
82.2%
+6.1% YoY-3.7% QoQ
|
+21.5% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$13,047
+0.2% YoY-1.2% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
38.3%
+1.4% YoY-1.0% QoQ
|
+13.9% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
15.4%
+57.3% YoY-3.5% QoQ
|
+1.6% | 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)