BlastPoint's Credit Union Scorecard
SERVICE STATION DEALERS
Charter #24733 · PA
<100M
2508 CUs in <100M nationally
186 in PA
SERVICE STATION DEALERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 0.2% in tier
- + Loan-to-Share Ratio: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.81% below tier average
- - Efficiency ratio 55.27% above tier (higher cost structure)
- - Member decline: -7.3% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Deposits: Bottom 0.2% in tier
- - Total Members: Bottom 0.4% in tier
- - Total Assets: Bottom 0.5% in tier
- - Deposit Growth Rate: Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51
-7.3% YoY-1.9% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$128,983
-9.4% YoY-1.5% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.5% in tier |
| Loans |
$23,029
-39.9% YoY-14.4% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.4% in tier |
| Deposits |
$19,697
-31.6% YoY-6.8% QoQ
|
$-25.8M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.1% in tier |
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| ROA |
-1.7%
-536.4% YoY-39.4% QoQ
|
-1.8% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 5.6% in tier |
| NIM |
3.6%
-30.0% YoY-27.6% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
42% |
| Efficiency Ratio |
145.9%
+57.5% YoY-5.8% QoQ
|
+55.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
116.9%
-12.1% YoY-8.1% QoQ
|
+58.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Top 0.8% in tier |
| AMR |
$837.8
-31.4% YoY-9.3% QoQ
|
$-14K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 0.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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 (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
5
Net Worth Ratio
risk
Value:
84.73%
Peer Median: 14.28%
#5 of 2508
Top 0.2% in <100M tier
17
Loan-to-Share Ratio
balance_sheet
Value:
116.92%
Peer Median: 58.72%
#17 of 2508
Top 0.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (15 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2505
Total Deposits
balance_sheet
Value:
$19,697
Peer Median: $18.77M
#2505 of 2508
Bottom 0.2% in <100M tier
2500
Total Members
engagement
Value:
51
Peer Median: 1,918
#2500 of 2508
Bottom 0.4% in <100M tier
2496
Total Assets
balance_sheet
Value:
$128,983
Peer Median: $21.86M
#2496 of 2508
Bottom 0.5% in <100M tier
2492
Deposit Growth Rate
growth
Value:
-31.63%
Peer Median: 0.66%
#2492 of 2508
Bottom 0.7% in <100M tier
2488
Average Member Relationship (AMR)
engagement
Value:
$837.76
Peer Median: $13,926
#2488 of 2508
Bottom 0.8% in <100M tier
2487
AMR Growth Rate
growth
Value:
-31.38%
Peer Median: 1.27%
#2487 of 2508
Bottom 0.9% in <100M tier
2474
Loan Growth Rate
growth
Value:
-39.93%
Peer Median: -2.36%
#2474 of 2508
Bottom 1.4% in <100M tier
2474
Total Loans
balance_sheet
Value:
$23,029
Peer Median: $9.48M
#2474 of 2508
Bottom 1.4% in <100M tier
2430
Efficiency Ratio
profitability
Value:
145.90%
Peer Median: 81.45%
#2430 of 2508
Bottom 3.1% in <100M tier