BlastPoint's Credit Union Scorecard
UNIVERSITY OF PENNSYLVANIA STUDENTS
Charter #24290 · PA
UNIVERSITY OF PENNSYLVANIA STUDENTS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Strong member growth: 6.7% YoY
- + Member Growth Rate: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.01% above tier average
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Total Loans: Bottom 2.7% in tier
- - Members Per Employee (MPE): Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
666
+6.7% YoY-3.9% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$4.9M
-7.8% YoY+2.8% QoQ
|
$-25.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$85,535
-56.1% YoY-20.1% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.6% in tier |
| Deposits |
$4.0M
-9.8% YoY+3.6% QoQ
|
$-21.8M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA |
1.2%
-156.3% YoY-200.0% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
3.4%
+1885.0% YoY+102.4% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
64.4%
-78.6% YoY-54.8% QoQ
|
-26.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
2.5%
-64.4% YoY-37.3% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
2.1%
-51.3% YoY-22.8% QoQ
|
-56.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.6% in tier |
| AMR |
$6,108
-17.3% YoY+7.1% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.9% in tier |
| CD Concentration |
1.0%
+71.7% YoY+9.3% QoQ
|
-23.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)