BlastPoint's Credit Union Scorecard
PENNSYLVANIA-AMERICAN WATER
Charter #21556 · PA
PENNSYLVANIA-AMERICAN WATER has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 9.85% above tier (higher cost structure)
- - Member decline: -5.8% YoY
- - Loan Growth Rate: Bottom 6.9% in tier
- - Asset Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,326
-5.8% YoY-2.4% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$12.1M
-6.6% YoY-0.1% QoQ
|
$-18.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$3.9M
-19.4% YoY-9.3% QoQ
|
$-11.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
29% |
| Deposits |
$10.5M
-7.7% YoY+0.2% QoQ
|
$-15.3M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
37% |
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| ROA |
-0.6%
-261.5% YoY-212.8% QoQ
|
-0.7% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.3% in tier |
| NIM |
4.2%
+0.3% YoY-6.2% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
67% |
| Efficiency Ratio |
100.5%
+13.4% YoY+15.7% QoQ
|
+9.8% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
85% |
| Delinquency Rate |
0.3%
-49.8% YoY+43.2% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
33% |
| Loan To Share |
36.9%
-12.7% YoY-9.5% QoQ
|
-21.6% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
18% |
| AMR |
$10,854
-5.8% YoY-0.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
3.4%
-7.0% YoY-0.2% QoQ
|
-20.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)