BlastPoint's Credit Union Scorecard
WYOMING VALLEY EDUCATIONAL EMPL
Charter #2657 · PA
WYOMING VALLEY EDUCATIONAL EMPL has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.01% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.8% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.9% in tier
- - Net Worth Ratio: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,612
-3.1% YoY-0.9% QoQ
|
-1.0K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$53.6M
+5.0% YoY-0.8% QoQ
|
+$23.8M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
79% |
| Loans |
$7.1M
-0.2% YoY-0.9% QoQ
|
$-8.6M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$48.6M
+4.7% YoY-1.1% QoQ
|
+$23.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
0.7%
+94.2% YoY+9.9% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
1.6%
+18.4% YoY+3.6% QoQ
|
-2.4% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.9% in tier |
| Efficiency Ratio |
55.8%
-17.2% YoY-3.1% QoQ
|
-25.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate |
0.2%
+354.3% YoY-32.7% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
30% |
| Loan To Share |
14.7%
-4.7% YoY+0.3% QoQ
|
-46.6% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$34,590
+7.4% YoY-0.2% QoQ
|
+$20K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 1.9% 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)
Concerns (0)
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)