BlastPoint's Credit Union Scorecard
PENNSYLVANIA CENTRAL
Charter #2625 · PA
PENNSYLVANIA CENTRAL has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 29.3% in tier
- + Emerging Performer: Top 29.8% in tier
- + Wallet Share Momentum: Top 33.8% in tier
- + ROA 0.06% above tier average
- + Strong member growth: 52.6% YoY
- + Asset Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 0.2% in tier
- + Member Growth Rate: Top 0.3% in tier
- + Deposit Growth Rate: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.8% in tier
- - Credit Risk Growth: Bottom 26.2% in tier
- - Credit Quality Pressure: Bottom 75.6% in tier
- - Indirect Auto Concentration (%): Bottom 5.0% in tier
- - Fee Income Per Member: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,581
+52.6% YoY-0.1% QoQ
|
-2.9K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$132.2M
+61.2% YoY+3.4% QoQ
|
$-99.6M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$85.6M
+77.9% YoY+0.5% QoQ
|
$-61.7M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$118.0M
+59.4% YoY+3.6% QoQ
|
$-82.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.8%
+1.0% YoY-8.7% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.5%
-17.0% YoY-10.7% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
75.4%
+1.3% YoY-1.0% QoQ
|
-1.6% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.8%
+12.5% YoY+47.6% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
72.6%
+11.6% YoY-3.0% QoQ
|
+0.4% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
48% |
| AMR |
$16,184
+9.2% YoY+2.3% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.3% in tier |
| CD Concentration |
14.1%
+22.9% YoY+11.8% QoQ
|
-10.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
44.7%
-29.2% YoY-3.9% QoQ
|
+30.9% | 13.8% | 8.1% | 7.8% | 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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)