BlastPoint's Credit Union Scorecard
UNIVERSITY OF PENNSYLVANIA STUDENTS
Charter #24290 · PA
2556 CUs in <100M nationally
190 in PA
UNIVERSITY OF PENNSYLVANIA STUDENTS has 4 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 9.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.84% below tier average
- - Efficiency ratio 59.99% above tier (higher cost structure)
- - Delinquency rate 2.46% above tier average
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Total Loans: Bottom 2.9% in tier
- - Deposit Growth Rate: Bottom 3.2% in tier
- - Asset Growth Rate: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
693
+9.5% YoY+0.6% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$4.7M
-11.7% YoY-2.5% QoQ
|
$-25.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$107,040
-52.2% YoY-17.7% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.8% in tier |
| Deposits |
$3.8M
-13.8% YoY-3.0% QoQ
|
$-21.8M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
18% |
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| ROA |
-1.2%
+293.9% YoY+95.3% QoQ
|
-1.8% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.9% in tier |
| NIM |
1.7%
-30.9% YoY-2.9% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
142.5%
+38.7% YoY+12.5% QoQ
|
+60.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
4.0%
-19.7% YoY+49.8% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.6% in tier |
| Loan To Share |
2.8%
-44.6% YoY-15.1% QoQ
|
-57.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$5,703
-22.9% YoY-4.1% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.0% in tier |
| CD Concentration |
0.9%
+58.6% YoY+3.9% QoQ
|
-23.5% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
79
Member Growth Rate
growth
Value:
9.48%
Peer Median: -
#79 of 2556
Top 3.1% in <100M tier
634
Share Certificate Concentration (%)
balance_sheet
Value:
0.91%
Peer Median: -
#634 of 2556
Top 24.8% in <100M tier
Top Weaknesses (17 metrics)
2538
Net Charge-Off Rate
risk
Value:
12.70%
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2536
Loan-to-Share Ratio
balance_sheet
Value:
2.78%
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2529
Loan Growth Rate
growth
Value:
-52.23%
Peer Median: -
#2529 of 2556
Bottom 1.1% in <100M tier
2520
AMR Growth Rate
growth
Value:
-22.91%
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2515
Loan-to-Member Ratio (LMR)
engagement
Value:
$154.46
Peer Median: -
#2515 of 2556
Bottom 1.6% in <100M tier
2502
Efficiency Ratio
profitability
Value:
142.55%
Peer Median: -
#2502 of 2556
Bottom 2.2% in <100M tier
2492
Net Interest Margin (NIM)
profitability
Value:
1.67%
Peer Median: -
#2492 of 2556
Bottom 2.5% in <100M tier
2484
Total Loans
balance_sheet
Value:
$107,040
Peer Median: -
#2484 of 2556
Bottom 2.9% in <100M tier
2474
Deposit Growth Rate
growth
Value:
-13.76%
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2473
Asset Growth Rate
growth
Value:
-11.68%
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier