BlastPoint's Credit Union Scorecard
UNIVERSITY OF PENNSYLVANIA STUDENTS
Charter #24290 · PA
UNIVERSITY OF PENNSYLVANIA STUDENTS has 2 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.31% below tier average
- - Efficiency ratio 45.36% above tier (higher cost structure)
- - Delinquency rate 1.17% above tier average
- - Loan-to-Share Ratio: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 1.2% in tier
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.8% in tier
- - Net Interest Margin (NIM): Bottom 2.4% in tier
- - Total Loans: Bottom 3.2% in tier
- - Members Per Employee (MPE): Bottom 3.4% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 4.3% in tier
- - Deposit Growth Rate: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
689
-1.0% YoY-0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
19% |
| Assets |
$4.8M
-11.6% YoY-2.9% QoQ
|
$-25.0M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$130,032
-51.2% YoY-23.7% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.2% in tier |
| Deposits |
$4.0M
-12.8% YoY-3.9% QoQ
|
$-21.5M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
-0.6%
-173.7% YoY-51.2% QoQ
|
-1.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 7.9% in tier |
| NIM |
1.7%
-40.8% YoY+144.0% QoQ
|
-2.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
126.8%
+90.6% YoY-32.9% QoQ
|
+45.4% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
2.7%
+6.3% YoY+23.1% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 14.0% in tier |
| Loan To Share |
3.3%
-44.0% YoY-20.6% QoQ
|
-58.0% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$5,945
-14.1% YoY-4.6% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.7% in tier |
| CD Concentration |
0.9%
+55.8% YoY+41.3% QoQ
|
-23.5% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)