BlastPoint's Credit Union Scorecard

PALCO FCU

Charter #2959 · PA

1077 CUs in 100M-500M nationally 61 in PA

PALCO FCU has 8 strengths but faces 8 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

+ Organic Growth Engine: Top 7.9% in tier
+ Emerging Performer: Top 16.3% in tier
+ Credit Quality Leader: Top 29.2% in tier
+ Profitability Leader: Top 43.4% in tier
+ Wallet Share Momentum: Top 85.8% in tier
+ ROA 0.73% above tier average
+ Loan Growth Rate: Top 2.0% in tier
+ Total Delinquency Rate (60+ days): Top 8.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 9.2% in tier
- Credit Risk Growth: Bottom 10.6% in tier
- Credit Quality Pressure: Bottom 25.4% in tier
- Total Assets: Bottom 2.1% in tier
- Total Loans: Bottom 4.0% in tier
- Total Deposits: Bottom 4.5% in tier
- Indirect Auto Concentration (%): Bottom 5.9% in tier
- Total Members: Bottom 6.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	6,185 +3.8% YoY+1.4% QoQ	-9.4K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Bottom 6.3% in tier
Assets	$103.5M +4.6% YoY-0.2% QoQ	$-127.8M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Bottom 2.0% in tier
Loans	$46.0M +26.6% YoY+7.5% QoQ	$-101.8M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 3.9% in tier
Deposits	$91.9M +2.7% YoY-0.9% QoQ	$-108.4M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Bottom 4.4% in tier

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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	1.5% +122.2% YoY+10.5% QoQ	+0.7%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 11.8% in tier
NIM	3.4% +15.1% YoY+3.0% QoQ	-0.2%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	61.8% -16.4% YoY-3.8% QoQ	-15.5%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 10.5% in tier
Delinquency Rate	0.2% +31.4% YoY-43.9% QoQ	-0.7	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Bottom 8.2% in tier
Loan To Share	50.0% +23.2% YoY+8.5% QoQ	-22.7%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Bottom 10.9% in tier
AMR	$22,287 +5.6% YoY+0.3% QoQ	$-2K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	49%
CD Concentration	23.7% +11.7% YoY+4.6% QoQ	-0.7%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	44.2% +52.8% YoY+8.5% QoQ	+30.2%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#145 of 603 • Top 7.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 44.21%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Emerging Performer

growth

#32 of 191 • Top 16.3% 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: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.78%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Credit Quality Leader

growth

#100 of 340 • Top 29.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.16%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Profitability Leader

growth

#148 of 340 • Top 43.4% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.51%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.83% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Wallet Share Momentum

growth

#413 of 481 • Top 85.8% in tier

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

Why This Signature

AMR Growth (YoY): 5.63%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#149 of 525 • Bottom 9.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.58%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 44.21%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.78%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Credit Risk Growth

risk

#160 of 446 • Bottom 10.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 26.58%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#629 of 736 • Bottom 25.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 26.58%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

114

Efficiency Ratio

profitability

Value: 61.78%

Peer Avg: -

#114 of 1077 Top 10.5% in 100M-500M tier

127

Return on Assets (ROA)

profitability

Value: 1.51%

Peer Avg: -

#127 of 1077 Top 11.7% in 100M-500M tier

151

Member Growth Rate

growth

Value: 3.78%

Peer Avg: -

#151 of 1077 Top 13.9% in 100M-500M tier

188

Net Charge-Off Rate

risk

Value: 0.11%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

245

Members Per Employee (MPE)

engagement

Value: 386.562

Peer Avg: -

#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1055

Total Assets

balance_sheet

Value: $103.47M

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1035

Total Loans

balance_sheet

Value: $45.98M

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

1030

Total Deposits

balance_sheet

Value: $91.87M

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1014

Indirect Auto Concentration (%)

balance_sheet

Value: 44.21%

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

1009

Total Members

engagement

Value: 6,185

Peer Avg: -

#1009 of 1077 Bottom 6.4% in 100M-500M tier

960

Loan-to-Share Ratio

balance_sheet

Value: 50.05%

Peer Avg: -

#960 of 1077 Bottom 11.0% in 100M-500M tier