BlastPoint's Credit Union Scorecard

PENNSYLVANIA CENTRAL

Charter #2625 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

PENNSYLVANIA CENTRAL has 8 strengths but faces 3 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.28% above tier average
+ Strong member growth: 51.1% YoY
+ Asset Growth Rate: Top 0.1% 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 50.0% in tier
- Efficiency ratio 0.89% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 6.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	12,558 +51.1% YoY-0.2% QoQ	-2.6K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	47%
Assets	$136.9M +59.6% YoY+3.6% QoQ	$-94.8M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	24%
Loans	$83.5M +65.1% YoY-2.5% QoQ	$-60.7M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	26%
Deposits	$122.4M +58.7% YoY+3.7% QoQ	$-78.8M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +25.6% YoY-12.9% QoQ	+0.0%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	52%
NIM	3.9% -0.2% YoY+12.8% QoQ	+0.3%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	69%
Efficiency Ratio	78.9% -2.1% YoY+4.7% QoQ	+0.9%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.6% -15.4% YoY-28.3% QoQ	-0.2	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	48%
Loan To Share	68.2% +4.0% YoY-6.0% QoQ	-2.2%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	42%
AMR	$16,394 +6.7% YoY+1.3% QoQ	$-9K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 14.3% in tier
CD Concentration	15.5% +25.9% YoY+9.7% QoQ	-8.8%	24.3%	15.4%	19.8%	50%
Indirect Auto %	43.2% -30.8% YoY-3.5% QoQ	+29.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (2)

Emerging Performer

growth

#52 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.72%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 51.12%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth

#306 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.71%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#30 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 59.63%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 43.19%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 51.12%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Asset Growth Rate

growth

Value: 59.63%

Peer Median: 3.91%

#2 of 1070 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 65.12%

Peer Median: 2.93%

#3 of 1070 Top 0.2% in 100M-500M tier

Member Growth Rate

growth

Value: 51.12%

Peer Median: -0.06%

#4 of 1070 Top 0.3% in 100M-500M tier

Deposit Growth Rate

growth

Value: 58.74%

Peer Median: 3.30%

#4 of 1070 Top 0.3% in 100M-500M tier

125

First Mortgage Concentration (%)

balance_sheet

Value: 9.42%

Peer Median: 29.47%

#125 of 1070 Top 11.6% in 100M-500M tier

145

Members Per Employee (MPE)

engagement

Value: 433.034

Peer Median: 309.176

#145 of 1070 Top 13.5% in 100M-500M tier

236

AMR Growth Rate

growth

Value: 6.71%

Peer Median: 3.46%

#236 of 1070 Top 22.0% in 100M-500M tier

256

Share Certificate Concentration (%)

balance_sheet

Value: 15.49%

Peer Median: 23.10%

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1004

Indirect Auto Concentration (%)

balance_sheet

Value: 43.19%

Peer Median: 6.61%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

917

Average Member Relationship (AMR)

engagement

Value: $16,394

Peer Median: $22,931

#917 of 1070 Bottom 14.4% in 100M-500M tier

902

Fee Income Per Member

profitability

Value: $94.46

Peer Median: $154.95

#902 of 1070 Bottom 15.8% in 100M-500M tier

864

Loan-to-Member Ratio (LMR)

engagement

Value: $6,649

Peer Median: $9,356

#864 of 1070 Bottom 19.3% in 100M-500M tier

812

Total Assets

balance_sheet

Value: $136.94M

Peer Median: $196.57M

#812 of 1070 Bottom 24.2% in 100M-500M tier