BlastPoint's Credit Union Scorecard
HONEYWELL PHILADELPHIA DIV
Charter #2374 · PA
HONEYWELL PHILADELPHIA DIV has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 23.87% above tier (higher cost structure)
- - Member decline: -12.5% YoY
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Net Worth Ratio: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 4.2% in tier
- - Net Interest Margin (NIM): Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,247
-12.5% YoY-8.8% QoQ
|
-1.4K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
35% |
| Assets |
$25.0M
+3.0% YoY-0.5% QoQ
|
$-5.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$2.3M
-1.0% YoY-4.2% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$25.0M
+2.9% YoY-0.4% QoQ
|
$-753K |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
-0.4%
+0.6% YoY-68.2% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.4% in tier |
| NIM |
2.5%
+33.6% YoY+14.0% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
114.5%
-2.3% YoY-34.7% QoQ
|
+23.9% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate |
0.8%
-75.5% YoY-19.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
56% |
| Loan To Share |
9.0%
-3.8% YoY-3.8% QoQ
|
-49.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$21,886
+17.3% YoY+8.8% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
14.6%
+9.4% YoY+1.3% QoQ
|
-9.7% | 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)