BlastPoint's Credit Union Scorecard

GREATER PITTSBURGH POLICE

Charter #240 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

GREATER PITTSBURGH POLICE has 4 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
+ Net Interest Margin 0.11% above tier average
+ Members Per Employee (MPE): Top 3.5% in tier
+ Net Worth Ratio: Top 4.5% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,310 -3.4% YoY-0.8% QoQ	-5.8K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	27%
Assets	$110.8M +5.0% YoY+2.0% QoQ	$-120.9M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Bottom 7.5% in tier
Loans	$51.4M -1.4% YoY-1.8% QoQ	$-92.8M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 6.2% in tier
Deposits	$89.9M +4.5% YoY+2.1% QoQ	$-111.3M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 3.4% 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	0.6% -45.4% YoY-56.9% QoQ	-0.1%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	42%
NIM	3.7% -12.6% YoY-11.9% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	59%
Efficiency Ratio	81.7% +12.5% YoY+19.7% QoQ	+3.7%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	0.7% +60.1% YoY+7.8% QoQ	-0.1	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	59%
Loan To Share	57.2% -5.7% YoY-3.8% QoQ	-13.2%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	22%
AMR	$15,171 +5.9% YoY+1.5% QoQ	$-10K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 9.5% in tier
CD Concentration	21.0% +45.9% YoY+2.2% QoQ	-3.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	36.2% -2.2% YoY-0.7% QoQ	+22.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#389 of 491 • 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): 5.90%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (8)

Indirect Auto Dependency

risk

#64 of 504 • 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): 5.01%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 36.22%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Liquidity Overhang

risk

#36 of 126 • 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: 18.44%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 57.19%

(Tier: 72.31%, National: 65.58%)

worse than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank improving

Stagnation Risk

risk

#167 of 570 • 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): -3.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.43%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.72%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#258 of 727 • 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): 0.27% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Membership Headwinds

decline

#221 of 570 • 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): -3.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Cost Spiral

risk

#71 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 9.06% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.09%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | Rank worsening

Institutional Decline

decline

#221 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $110.80M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.43%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#562 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.70%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.50% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -3.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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 1070 peers in tier

Top Strengths (3 metrics)

Members Per Employee (MPE)

engagement

Value: 547.647

Peer Median: 309.176

#38 of 1070 Top 3.5% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.44%

Peer Median: 11.45%

#49 of 1070 Top 4.5% in 100M-500M tier

169

First Mortgage Concentration (%)

balance_sheet

Value: 12.45%

Peer Median: 29.47%

#169 of 1070 Top 15.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1035

Fee Income Per Member

profitability

Value: $47.83

Peer Median: $154.95

#1035 of 1070 Bottom 3.4% in 100M-500M tier

1034

Total Deposits

balance_sheet

Value: $89.85M

Peer Median: $171.29M

#1034 of 1070 Bottom 3.5% in 100M-500M tier

1004

Total Loans

balance_sheet

Value: $51.39M

Peer Median: $121.41M

#1004 of 1070 Bottom 6.3% in 100M-500M tier

990

Total Assets

balance_sheet

Value: $110.80M

Peer Median: $196.57M

#990 of 1070 Bottom 7.6% in 100M-500M tier

968

Average Member Relationship (AMR)

engagement

Value: $15,171

Peer Median: $22,931

#968 of 1070 Bottom 9.6% in 100M-500M tier

967

Loan-to-Member Ratio (LMR)

engagement

Value: $5,519

Peer Median: $9,356

#967 of 1070 Bottom 9.7% in 100M-500M tier

959

Indirect Auto Concentration (%)

balance_sheet

Value: 36.22%

Peer Median: 6.61%

#959 of 1070 Bottom 10.5% in 100M-500M tier

885

Member Growth Rate

growth

Value: -3.44%

Peer Median: -0.06%

#885 of 1070 Bottom 17.4% in 100M-500M tier

838

Loan-to-Share Ratio

balance_sheet

Value: 57.19%

Peer Median: 71.88%

#838 of 1070 Bottom 21.8% in 100M-500M tier