BlastPoint's Credit Union Scorecard

PENN EAST

Charter #2742 · PA

1069 CUs in 100M-500M nationally 61 in PA

PENN EAST faces 6 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 33.1% in tier
- Efficiency Drag: Bottom 45.4% in tier
- Membership Headwinds: Bottom 68.7% in tier
- Stagnation Risk: Bottom 82.5% in tier
- ROA 0.26% below tier average
- Efficiency ratio 8.90% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	21,915 -1.8% YoY-0.5% QoQ	+6.5K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	81%
Assets	$273.6M +4.7% YoY+2.0% QoQ	+$41.8M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	69%
Loans	$125.7M +2.7% YoY-1.6% QoQ	$-21.6M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	51%
Deposits	$251.1M +2.7% YoY+1.6% QoQ	+$50.3M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	71%

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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	0.5% +99.2% YoY+18.6% QoQ	-0.3%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	31%
NIM	2.9% -1.5% YoY+1.0% QoQ	-0.7%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 12.8% in tier
Efficiency Ratio	85.9% -6.0% YoY-2.2% QoQ	+8.9%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	80%
Delinquency Rate	0.5% -2.8% YoY+200.9% QoQ	-0.4	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	29%
Loan To Share	50.1% -0.1% YoY-3.1% QoQ	-22.2%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Bottom 10.9% in tier
AMR	$17,195 +4.6% YoY+1.0% QoQ	$-7K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	17%
CD Concentration	14.0% -2.5% YoY-2.8% QoQ	-10.5%	24.4%	15.5%	19.8%	50%
Indirect Auto %	32.4% +4.2% YoY-2.7% QoQ	+18.6%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#168 of 506 • Bottom 33.1% in tier

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

Why This Signature

Asset Growth (YoY): 4.70%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 32.44%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#245 of 538 • Bottom 45.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.92%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#381 of 554 • Bottom 68.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#457 of 554 • Bottom 82.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.65%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.46%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 1069 peers in tier

Top Strengths (3 metrics)

183

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#183 of 1069 Top 17.0% in 100M-500M tier

202

Total Members

engagement

Value: 21,915

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

203

Share Certificate Concentration (%)

balance_sheet

Value: 13.96%

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

Top Weaknesses (6 metrics)

953

Loan-to-Member Ratio (LMR)

engagement

Value: $5,736

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

952

Loan-to-Share Ratio

balance_sheet

Value: 50.06%

Peer Median: -

#952 of 1069 Bottom 11.0% in 100M-500M tier

932

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

923

Indirect Auto Concentration (%)

balance_sheet

Value: 32.44%

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

883

Average Member Relationship (AMR)

engagement

Value: $17,195

Peer Median: -

#883 of 1069 Bottom 17.5% in 100M-500M tier

859

Efficiency Ratio

profitability

Value: 85.92%

Peer Median: -

#859 of 1069 Bottom 19.7% in 100M-500M tier