BlastPoint's Credit Union Scorecard
PENNSYLVANIA CENTRAL
Charter #2625 · PA
PENNSYLVANIA CENTRAL has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.8% in tier
- + Emerging Performer: Top 24.2% in tier
- + Wallet Share Momentum: Top 77.7% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 0.30% above tier average
- + Strong member growth: 50.5% YoY
- + Loan Growth Rate: Top 0.2% in tier
- + Deposit Growth Rate: Top 0.4% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.4% in tier
- - Fee Income Per Member: Bottom 4.4% in tier
- - Indirect Auto Concentration (%): 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 |
12,590
+50.5% YoY+48.9% QoQ
|
-3.0K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
45% |
| Assets |
$127.8M
+56.8% YoY+48.9% QoQ
|
$-103.5M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$85.2M
+66.0% YoY+48.6% QoQ
|
$-62.6M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$113.9M
+55.1% YoY+48.3% QoQ
|
$-86.4M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.9%
+13.9% YoY+20.6% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
60% |
| NIM |
3.9%
-6.6% YoY-2.1% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
76.1%
+2.3% YoY-2.1% QoQ
|
-1.2% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.6%
-45.0% YoY+6.0% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
74.8%
+7.0% YoY+0.3% QoQ
|
+2.1% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
51% |
| AMR |
$15,816
+6.0% YoY-0.3% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 13.1% in tier |
| CD Concentration |
12.6%
+14.6% YoY-2.1% QoQ
|
-11.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
46.6%
-29.6% YoY-23.2% QoQ
|
+32.6% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)