BlastPoint's Credit Union Scorecard

GREATER PITTSBURGH POLICE

Charter #240 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

GREATER PITTSBURGH POLICE has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.62% above tier average
+ Net Interest Margin 0.64% above tier average
+ First Mortgage Concentration (%): Top 1.5% in tier
+ Members Per Employee (MPE): Top 2.5% in tier
+ Net Worth Ratio: Top 4.4% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Member decline: -3.2% YoY
- Total Deposits: Bottom 2.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,389 -3.2% YoY-1.0% QoQ	-6.0K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	26%
Assets	$108.6M +5.4% YoY+2.4% QoQ	$-123.2M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	Bottom 5.8% in tier
Loans	$52.3M +0.2% YoY+0.2% QoQ	$-95.0M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 6.2% in tier
Deposits	$88.0M +4.5% YoY+2.7% QoQ	$-112.8M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	Bottom 1.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -27.2% YoY-0.4% QoQ	+0.6%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Top 13.5% in tier
NIM	4.2% -9.8% YoY-2.2% QoQ	+0.6%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	68.3% +6.8% YoY-0.4% QoQ	-8.7%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	20%
Delinquency Rate	0.7% +43.3% YoY-16.4% QoQ	-0.2	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	46%
Loan To Share	59.5% -4.1% YoY-2.5% QoQ	-12.8%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	22%
AMR	$14,942 +6.3% YoY+2.8% QoQ	$-10K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	Bottom 9.3% in tier
CD Concentration	20.5% +37.4% YoY+21.1% QoQ	-3.9%	24.4%	15.5%	19.8%	50%
Indirect Auto %	36.5% +0.8% YoY-0.6% QoQ	+22.7%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#394 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.29%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (6)

Indirect Auto Dependency

risk

#80 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.41%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 36.47%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -3.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Margin Compression

decline

#24 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.90%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.52% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Overhang

risk

#35 of 135 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.65%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 59.46%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

Membership Headwinds

decline

#236 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#253 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.23%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.24%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.67%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#360 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.41%

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 586.812

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.65%

Peer Median: -

#48 of 1069 Top 4.4% in 100M-500M tier

144

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

178

Net Interest Margin (NIM)

profitability

Value: 4.25%

Peer Median: -

#178 of 1069 Top 16.6% in 100M-500M tier

218

Efficiency Ratio

profitability

Value: 68.27%

Peer Median: -

#218 of 1069 Top 20.3% in 100M-500M tier

265

Net Charge-Off Rate

risk

Value: 0.17%

Peer Median: -

#265 of 1069 Top 24.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1049

Total Deposits

balance_sheet

Value: $87.98M

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1048

Fee Income Per Member

profitability

Value: $44.33

Peer Median: -

#1048 of 1069 Bottom 2.1% in 100M-500M tier

1007

Total Assets

balance_sheet

Value: $108.64M

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

1003

Total Loans

balance_sheet

Value: $52.31M

Peer Median: -

#1003 of 1069 Bottom 6.3% in 100M-500M tier

970

Average Member Relationship (AMR)

engagement

Value: $14,942

Peer Median: -

#970 of 1069 Bottom 9.4% in 100M-500M tier

969

Loan-to-Member Ratio (LMR)

engagement

Value: $5,572

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

961

Indirect Auto Concentration (%)

balance_sheet

Value: 36.47%

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

876

Member Growth Rate

growth

Value: -3.23%

Peer Median: -

#876 of 1069 Bottom 18.1% in 100M-500M tier

836

Loan-to-Share Ratio

balance_sheet

Value: 59.46%

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier