BlastPoint's Credit Union Scorecard
HONEYWELL PHILADELPHIA DIV
Charter #2374 · PA
HONEYWELL PHILADELPHIA DIV has 3 strengths but faces 7 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
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.26% below tier average
- - Efficiency ratio 143.42% above tier (higher cost structure)
- - Member decline: -5.7% YoY
- - Fee Income Per Member: Bottom 0.1% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Net Interest Margin (NIM): Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,374
-5.7% YoY-0.3% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$23.5M
-3.4% YoY-1.9% QoQ
|
$-6.4M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
52% |
| Loans |
$2.4M
-7.0% YoY+2.9% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$23.5M
-0.5% YoY-1.8% QoQ
|
$-1.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
-1.6%
+537.9% YoY-26.8% QoQ
|
-2.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.0% in tier |
| NIM |
2.2%
+13.1% YoY+11.2% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.7% in tier |
| Efficiency Ratio |
224.8%
+101.9% YoY-55.9% QoQ
|
+143.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 0.9% in tier |
| Delinquency Rate |
0.5%
-87.8% YoY-43.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
10.1%
-6.5% YoY+4.8% QoQ
|
-51.1% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.8% in tier |
| AMR |
$18,865
+4.8% YoY-1.1% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
75% |
| CD Concentration |
13.9%
-1.6% YoY-5.6% QoQ
|
-10.5% |
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)
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)