BlastPoint's Credit Union Scorecard
S. T. P. EMPLOYEES
Charter #22522 · PA
2596 CUs in <100M nationally
198 in PA
S. T. P. EMPLOYEES has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Efficiency ratio 14.63% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Loan Growth Rate: Bottom 3.7% in tier
- - AMR Growth Rate: Bottom 4.6% in tier
- - Total Assets: Bottom 4.9% in tier
- - Total Deposits: Bottom 5.0% in tier
- - Total Members: Bottom 5.9% in tier
- - Total Loans: Bottom 8.0% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
- - Average Member Relationship (AMR): Bottom 9.4% in tier
- - Fee Income Per Member: Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
239
-4.4% YoY-1.6% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 5.7% in tier |
| Assets |
$886,563
-6.4% YoY-4.5% QoQ
|
$-29.0M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.9% in tier |
| Loans |
$540,779
-25.9% YoY-1.5% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.0% in tier |
| Deposits |
$654,088
-8.5% YoY-5.9% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.0% in tier |
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| ROA |
0.1%
-81.6% YoY+43.3% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
3.2%
-11.0% YoY+5.3% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
96.0%
+24.9% YoY-1.1% QoQ
|
+14.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 14.9% in tier |
| Delinquency Rate |
0.6%
-36.1% YoY-24.2% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
82.7%
-19.0% YoY+4.6% QoQ
|
+21.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$4,999
-13.5% YoY-2.3% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.4% 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 (6 metrics)
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
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
257
Net Worth Ratio
risk
Value:
25.97%
Peer Avg: -
#257 of 2596
Top 9.9% in <100M tier
493
Loan-to-Share Ratio
balance_sheet
Value:
82.68%
Peer Avg: -
#493 of 2596
Top 19.0% in <100M tier
Top Weaknesses (16 metrics)
2502
Loan Growth Rate
growth
Value:
-25.95%
Peer Avg: -
#2502 of 2596
Bottom 3.7% in <100M tier
2477
AMR Growth Rate
growth
Value:
-13.53%
Peer Avg: -
#2477 of 2596
Bottom 4.6% in <100M tier
2469
Total Assets
balance_sheet
Value:
$886,563
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2466
Total Deposits
balance_sheet
Value:
$654,088
Peer Avg: -
#2466 of 2596
Bottom 5.0% in <100M tier
2444
Total Members
engagement
Value:
239
Peer Avg: -
#2444 of 2596
Bottom 5.9% in <100M tier
2389
Total Loans
balance_sheet
Value:
$540,779
Peer Avg: -
#2389 of 2596
Bottom 8.0% in <100M tier
2358
Deposit Growth Rate
growth
Value:
-8.54%
Peer Avg: -
#2358 of 2596
Bottom 9.2% in <100M tier
2353
Average Member Relationship (AMR)
engagement
Value:
$4,999
Peer Avg: -
#2353 of 2596
Bottom 9.4% in <100M tier
2341
Fee Income Per Member
profitability
Value:
$1.96
Peer Avg: -
#2341 of 2596
Bottom 9.9% in <100M tier
2319
Asset Growth Rate
growth
Value:
-6.38%
Peer Avg: -
#2319 of 2596
Bottom 10.7% in <100M tier