BlastPoint's Credit Union Scorecard
BRADFORD AREA SCHOOL EMPLOYEES
Charter #24857 · PA
2556 CUs in <100M nationally
190 in PA
BRADFORD AREA SCHOOL EMPLOYEES has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 0.71% 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 1.3% in tier
- + AMR Growth Rate: Top 6.8% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Loan Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
- - Total Assets: Bottom 6.1% in tier
- - Total Deposits: Bottom 6.2% in tier
- - Total Members: Bottom 6.8% in tier
- - Members Per Employee (MPE): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
263
-2.6% YoY-1.5% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.7% in tier |
| Assets |
$1.1M
+6.8% YoY-1.5% QoQ
|
$-29.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.1% in tier |
| Loans |
$950,960
+11.8% YoY+1.8% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.0% in tier |
| Deposits |
$855,374
+6.9% YoY-2.4% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.1% in tier |
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| ROA |
1.3%
+41.7% YoY+16.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.7%
+4.0% YoY+7.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
73.6%
-6.2% YoY-3.0% QoQ
|
-9.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.1%
-95.1% YoY-16.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
111.2%
+4.6% YoY+4.3% QoQ
|
+50.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 1.4% in tier |
| AMR |
$6,868
+12.4% YoY+1.3% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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 (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
35
Loan-to-Share Ratio
balance_sheet
Value:
111.17%
Peer Median: -
#35 of 2556
Top 1.3% in <100M tier
174
AMR Growth Rate
growth
Value:
12.36%
Peer Median: -
#174 of 2556
Top 6.8% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
220
Loan Growth Rate
growth
Value:
11.85%
Peer Median: -
#220 of 2556
Top 8.6% in <100M tier
433
Net Worth Ratio
risk
Value:
21.86%
Peer Median: -
#433 of 2556
Top 16.9% in <100M tier
437
Deposit Growth Rate
growth
Value:
6.90%
Peer Median: -
#437 of 2556
Top 17.1% in <100M tier
456
Asset Growth Rate
growth
Value:
6.80%
Peer Median: -
#456 of 2556
Top 17.8% in <100M tier
Top Weaknesses (7 metrics)
2401
Total Assets
balance_sheet
Value:
$1.10M
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2399
Total Deposits
balance_sheet
Value:
$855,374
Peer Median: -
#2399 of 2556
Bottom 6.2% in <100M tier
2384
Total Members
engagement
Value:
263
Peer Median: -
#2384 of 2556
Bottom 6.8% in <100M tier
2340
Members Per Employee (MPE)
engagement
Value:
131.500
Peer Median: -
#2340 of 2556
Bottom 8.5% in <100M tier
2276
Total Loans
balance_sheet
Value:
$950,960
Peer Median: -
#2276 of 2556
Bottom 11.0% in <100M tier
2274
Fee Income Per Member
profitability
Value:
$3.21
Peer Median: -
#2274 of 2556
Bottom 11.1% in <100M tier
2186
Average Member Relationship (AMR)
engagement
Value:
$6,868
Peer Median: -
#2186 of 2556
Bottom 14.5% in <100M tier