BlastPoint's Credit Union Scorecard
USNE PENITENTIARY EMPLOYEES
Charter #287 · PA
USNE PENITENTIARY EMPLOYEES has 3 strengths but faces 2 concerns
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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| 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)
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)