BlastPoint's Credit Union Scorecard

GREATER PITTSBURGH POLICE

Charter #240 · PA

1077 CUs in 100M-500M nationally 61 in PA

GREATER PITTSBURGH POLICE has 13 strengths but faces 14 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

+ Organic Growth Engine: Top 2.6% in tier
+ Emerging Performer: Top 3.7% in tier
+ Profitability Leader: Top 55.2% in tier
+ ROA 0.61% above tier average
+ Net Interest Margin 0.76% above tier average
+ Strong member growth: 66.4% YoY
+ Member Growth Rate: Top 0.4% in tier
+ Deposit Growth Rate: Top 1.0% in tier
+ Asset Growth Rate: Top 1.1% in tier
+ First Mortgage Concentration (%): Top 1.5% in tier
+ Loan Growth Rate: Top 1.8% in tier
+ Members Per Employee (MPE): Top 1.8% in tier
+ Net Worth Ratio: Top 4.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 0.5% in tier
- Credit Risk Growth: Bottom 0.8% in tier
- Cost Spiral: Bottom 2.1% in tier
- Indirect Auto Dependency: Bottom 3.4% in tier
- Margin Compression: Bottom 5.5% in tier
- Credit Quality Pressure: Bottom 6.3% in tier
- Liquidity Overhang: Bottom 26.3% in tier
- AMR Growth Rate: Bottom 0.7% in tier
- Total Deposits: Bottom 1.0% in tier
- Fee Income Per Member: Bottom 2.0% in tier
- Total Assets: Bottom 4.1% in tier
- Total Loans: Bottom 5.8% in tier
- Average Member Relationship (AMR): Bottom 8.4% in tier
- Loan-to-Member Ratio (LMR): Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,485 +66.4% YoY-0.8% QoQ	-6.1K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	26%
Assets	$106.1M +30.3% YoY+0.5% QoQ	$-125.2M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Bottom 4.0% in tier
Loans	$52.2M +31.7% YoY-0.2% QoQ	$-95.6M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 5.7% in tier
Deposits	$85.7M +33.6% YoY+0.1% QoQ	$-114.6M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Bottom 0.9% 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% -37.8% YoY+3.6% QoQ	+0.6%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 14.8% in tier
NIM	4.3% +1.5% YoY+0.4% QoQ	+0.8%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	Top 12.7% in tier
Efficiency Ratio	68.6% +27.9% YoY-0.6% QoQ	-8.7%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	23%
Delinquency Rate	0.8% +139.8% YoY+62.2% QoQ	-0.1	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	60%
Loan To Share	61.0% -1.5% YoY-0.3% QoQ	-11.7%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	23%
AMR	$14,537 -20.1% YoY+0.9% QoQ	$-10K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Bottom 8.4% in tier
CD Concentration	17.0% +9.0% YoY+13.7% QoQ	-7.4%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	36.7% -2.5% YoY-15.8% QoQ	+22.7%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#48 of 603 • Top 2.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 66.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.39%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 36.68%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#8 of 191 • Top 3.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 66.37%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth

#188 of 340 • Top 55.2% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.39%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.85% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (7)

Shrinking Wallet Share

decline

#6 of 244 • Bottom 0.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -20.12%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | New qualifier

Credit Risk Growth

risk

#13 of 446 • Bottom 0.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 31.71%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.46% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Cost Spiral

risk

#6 of 62 • Bottom 2.1% 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: 14.93% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 45.70%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#55 of 525 • Bottom 3.4% in tier

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

Why This Signature

Asset Growth (YoY): 30.34%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 36.68%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 66.37%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Margin Compression

decline

#24 of 136 • Bottom 5.5% 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: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 2.24%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.85% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk

#156 of 736 • Bottom 6.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.46% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk

#36 of 134 • Bottom 26.3% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 18.74%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 60.97%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (11 metrics)

Member Growth Rate

growth

Value: 66.37%

Peer Avg: -

#5 of 1077 Top 0.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 33.65%

Peer Avg: -

#12 of 1077 Top 1.0% in 100M-500M tier

Asset Growth Rate

growth

Value: 30.34%

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.42%

Peer Avg: -

#17 of 1077 Top 1.5% in 100M-500M tier

Loan Growth Rate

growth

Value: 31.71%

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 632.333

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

Net Worth Ratio

risk

Value: 18.74%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

137

Net Interest Margin (NIM)

profitability

Value: 4.34%

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

159

Return on Assets (ROA)

profitability

Value: 1.39%

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

222

Net Charge-Off Rate

risk

Value: 0.14%

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

Top Weaknesses (9 metrics)

1070

AMR Growth Rate

growth

Value: -20.12%

Peer Avg: -

#1070 of 1077 Bottom 0.7% in 100M-500M tier

1067

Total Deposits

balance_sheet

Value: $85.66M

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1056

Fee Income Per Member

profitability

Value: $38.71

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1034

Total Assets

balance_sheet

Value: $106.06M

Peer Avg: -

#1034 of 1077 Bottom 4.1% in 100M-500M tier

1016

Total Loans

balance_sheet

Value: $52.23M

Peer Avg: -

#1016 of 1077 Bottom 5.8% in 100M-500M tier

987

Average Member Relationship (AMR)

engagement

Value: $14,537

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

981

Loan-to-Member Ratio (LMR)

engagement

Value: $5,506

Peer Avg: -

#981 of 1077 Bottom 9.0% in 100M-500M tier

964

Indirect Auto Concentration (%)

balance_sheet

Value: 36.68%

Peer Avg: -

#964 of 1077 Bottom 10.6% in 100M-500M tier

826

Loan-to-Share Ratio

balance_sheet

Value: 60.97%

Peer Avg: -

#826 of 1077 Bottom 23.4% in 100M-500M tier