BlastPoint's Credit Union Scorecard
BRADFORD AREA SCHOOL EMPLOYEES
Charter #24857 · PA
2596 CUs in <100M nationally
198 in PA
BRADFORD AREA SCHOOL EMPLOYEES has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 2.0% in tier
- + AMR Growth Rate: Top 7.4% in tier
- + Deposit Growth Rate: Top 8.9% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 6.3% in tier
- - Total Deposits: Bottom 6.6% in tier
- - Total Members: Bottom 7.0% in tier
- - Members Per Employee (MPE): Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
267
-1.5% YoY-0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 7.0% in tier |
| Assets |
$1.1M
+8.9% YoY+1.0% QoQ
|
$-28.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.2% in tier |
| Loans |
$934,329
+9.7% YoY+17.4% QoQ
|
$-14.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.1% in tier |
| Deposits |
$876,557
+10.0% YoY+0.9% QoQ
|
$-24.6M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.5% in tier |
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| ROA |
1.1%
+35.3% YoY-17.2% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
4.3%
-1.4% YoY-6.3% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
75.8%
-7.9% YoY+4.4% QoQ
|
-5.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.2%
-94.8% YoY-28.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
106.6%
-0.3% YoY+16.4% QoQ
|
+45.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$6,782
+11.5% YoY+9.2% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.3% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
52
Loan-to-Share Ratio
balance_sheet
Value:
106.59%
Peer Avg: -
#52 of 2596
Top 2.0% in <100M tier
193
AMR Growth Rate
growth
Value:
11.49%
Peer Avg: -
#193 of 2596
Top 7.4% in <100M tier
231
Deposit Growth Rate
growth
Value:
10.00%
Peer Avg: -
#231 of 2596
Top 8.9% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
272
Asset Growth Rate
growth
Value:
8.94%
Peer Avg: -
#272 of 2596
Top 10.4% in <100M tier
290
Loan Growth Rate
growth
Value:
9.70%
Peer Avg: -
#290 of 2596
Top 11.1% in <100M tier
491
Net Worth Ratio
risk
Value:
21.09%
Peer Avg: -
#491 of 2596
Top 18.9% in <100M tier
Top Weaknesses (7 metrics)
2434
Total Assets
balance_sheet
Value:
$1.11M
Peer Avg: -
#2434 of 2596
Bottom 6.3% in <100M tier
2426
Total Deposits
balance_sheet
Value:
$876,557
Peer Avg: -
#2426 of 2596
Bottom 6.6% in <100M tier
2415
Total Members
engagement
Value:
267
Peer Avg: -
#2415 of 2596
Bottom 7.0% in <100M tier
2375
Members Per Employee (MPE)
engagement
Value:
133.500
Peer Avg: -
#2375 of 2596
Bottom 8.6% in <100M tier
2309
Total Loans
balance_sheet
Value:
$934,329
Peer Avg: -
#2309 of 2596
Bottom 11.1% in <100M tier
2272
Fee Income Per Member
profitability
Value:
$3.56
Peer Avg: -
#2272 of 2596
Bottom 12.5% in <100M tier
2225
Average Member Relationship (AMR)
engagement
Value:
$6,782
Peer Avg: -
#2225 of 2596
Bottom 14.3% in <100M tier