BlastPoint's Credit Union Scorecard
UNIVERSITY OF PENNSYLVANIA STUDENTS
Charter #24290 · PA
UNIVERSITY OF PENNSYLVANIA STUDENTS faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.47% below tier average
- - Efficiency ratio 6.54% above tier (higher cost structure)
- - Delinquency rate 2.65% above tier average
- - Member decline: -10.9% YoY
- - Loan-to-Share Ratio: Bottom 0.6% in tier
- - Loan Growth Rate: Bottom 0.9% in tier
- - Net Charge-Off Rate: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -13.8% year over year ($3.6M in shares and deposits).
- Membership: 615 members, -10.9% vs a year ago.
- Delinquency rate 4.20%.
- Return on assets 0.02%.
- Efficiency ratio 95.31% vs a 88.77% peer average.
- Loan-to-share ratio 2.03% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
615
-10.9% YoY-7.7% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$4.4M
-11.3% YoY-8.9% QoQ
|
$-25.9M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$72,367
-57.5% YoY-15.4% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.3% in tier |
| Deposits |
$3.6M
-13.8% YoY-10.6% QoQ
|
$-22.2M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.0%
-101.5% YoY-98.5% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.3% in tier |
| NIM |
3.1%
+334.4% YoY-9.4% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
95.3%
-49.5% YoY+48.0% QoQ
|
+6.5% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
4.2%
+92.7% YoY+66.7% QoQ
|
+2.7 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.2% in tier |
| Loan To Share |
2.0%
-50.7% YoY-5.3% QoQ
|
-56.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 0.5% in tier |
| AMR |
$5,906
-5.2% YoY-3.3% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.4% in tier |
| CD Concentration |
1.1%
+79.7% YoY+11.9% QoQ
|
-23.4% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)