BlastPoint's Credit Union Scorecard

USNE PENITENTIARY EMPLOYEES

Charter #287 · PA

<100M

2508 CUs in <100M nationally 186 in PA

USNE PENITENTIARY EMPLOYEES has 3 strengths but faces 2 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

+ ROA 0.20% above tier average
+ Asset Growth Rate: Top 8.3% in tier
+ Deposit Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 1.7% in tier
- Fee Income Per Member: Bottom 4.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,267 +0.6% YoY-0.2% QoQ	-1.4K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	35%
Assets	$15.0M +9.3% YoY+2.3% QoQ	$-15.2M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	41%
Loans	$4.8M -4.5% YoY-6.7% QoQ	$-10.5M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	33%
Deposits	$13.3M +10.0% YoY+2.5% QoQ	$-12.5M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	42%

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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	0.4% -1.2% YoY-25.8% QoQ	+0.2%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	38%
NIM	1.4% -6.3% YoY-9.3% QoQ	-2.6%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 1.7% in tier
Efficiency Ratio	74.8% -1.7% YoY+8.1% QoQ	-15.9%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.7% +22.6% YoY+40.1% QoQ	-0.8	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	52%
Loan To Share	36.1% -13.2% YoY-9.0% QoQ	-22.4%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	18%
AMR	$14,284 +5.0% YoY+0.0% QoQ	$-600	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	52%
CD Concentration	0.0%	-24.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

210

Asset Growth Rate

growth

Value: 9.30%

Peer Median: 1.30%

#210 of 2508 Top 8.3% in <100M tier

210

Deposit Growth Rate

growth

Value: 9.97%

Peer Median: 0.66%

#210 of 2508 Top 8.3% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (3 metrics)

2466

Net Interest Margin (NIM)

profitability

Value: 1.39%

Peer Median: 3.83%

#2466 of 2508 Bottom 1.7% in <100M tier

2389

Fee Income Per Member

profitability

Value: $0.01

Peer Median: $60.42

#2389 of 2508 Bottom 4.8% in <100M tier

2061

Loan-to-Share Ratio

balance_sheet

Value: 36.13%

Peer Median: 58.72%

#2061 of 2508 Bottom 17.9% in <100M tier