BlastPoint's Credit Union Scorecard

PALCO FCU

Charter #2959 · PA

100M-500M
1070 CUs in 100M-500M nationally 62 in PA

PALCO FCU has 5 strengths but faces 7 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

  • + Emerging Performer: Top 50.0% in tier
  • + Wallet Share Momentum: Top 50.0% in tier
  • + ROA 0.40% above tier average
  • + Loan Growth Rate: Top 2.6% in tier
  • + Total Delinquency Rate (60+ days): Top 5.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Total Loans: Bottom 5.3% in tier
  • - Indirect Auto Concentration (%): Bottom 5.5% in tier
  • - Total Assets: Bottom 6.8% in tier
  • - Total Members: Bottom 7.3% in tier
  • - Total Deposits: Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 6,218
+3.6% YoY+0.4% QoQ
 -8.9K 15,145
-2.5% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 Bottom 7.2% in tier
Assets $109.5M
+6.0% YoY+3.3% QoQ
 $-122.2M $231.7M
+0.8% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 Bottom 6.7% in tier
Loans $47.4M
+22.1% YoY+2.2% QoQ
 $-96.7M $144.1M
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 Bottom 5.2% in tier
Deposits $97.3M
+4.8% YoY+4.6% QoQ
 $-103.9M $201.1M
+0.4% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 Bottom 9.0% 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 1.1%
-14.4% YoY-23.6% QoQ
 +0.4% 0.7%
+5.1% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 76%
NIM 3.5%
+10.1% YoY+1.9% QoQ
 -0.1% 3.6%
+4.6% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 46%
Efficiency Ratio 70.5%
+4.2% YoY+16.7% QoQ
 -7.5% 78.0%
-1.7% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 25%
Delinquency Rate 0.1%
-28.9% YoY-76.9% QoQ
 -0.7 0.8%
+7.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 Top 5.0% in tier
Loan To Share 48.8%
+16.6% YoY-2.3% QoQ
 -21.7% 70.4%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 Bottom 10.7% in tier
AMR $23,273
+6.1% YoY+3.4% QoQ
 $-2K $24,918
+2.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 52%
CD Concentration 23.2%
+5.2% YoY-3.1% QoQ
 -1.1% 24.3% 15.4% 19.8% 50%
Indirect Auto % 44.7%
+23.4% YoY-0.6% QoQ
 +30.9% 13.8% 8.3% 7.7% 50%

Signature Analysis

Strengths (2)

Emerging Performer

growth
#54 of 157 • Top 50.0% 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: 1.12%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Member Growth (YoY): 3.60%
(Tier: 0.72%, National: 10.19%)
better than tier avg
157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally
→ No prior data (157 CUs now) | New qualifier

Wallet Share Momentum

growth
#368 of 491 • Top 50.0% in tier

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

Why This Signature
AMR Growth (YoY): 6.06%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk
#95 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 6.02%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 44.67%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 3.60%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Margin Compression

decline
#109 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.12%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.31%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.19% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 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)

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

29
Loan Growth Rate
growth
Value: 22.11%
Peer Median: 2.93%
#29 of 1070 Top 2.6% in 100M-500M tier
55
Total Delinquency Rate (60+ days)
risk
Value: 0.08%
Peer Median: 0.61%
#55 of 1070 Top 5.0% in 100M-500M tier
179
Member Growth Rate
growth
Value: 3.60%
Peer Median: -0.06%
#179 of 1070 Top 16.6% in 100M-500M tier
184
Members Per Employee (MPE)
engagement
Value: 414.533
Peer Median: 309.176
#184 of 1070 Top 17.1% in 100M-500M tier
223
Net Charge-Off Rate
risk
Value: 0.12%
Peer Median: 0.35%
#223 of 1070 Top 20.7% in 100M-500M tier
252
Return on Assets (ROA)
profitability
Value: 1.12%
Peer Median: 0.69%
#252 of 1070 Top 23.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1014
Total Loans
balance_sheet
Value: $47.43M
Peer Median: $121.41M
#1014 of 1070 Bottom 5.3% in 100M-500M tier
1012
Indirect Auto Concentration (%)
balance_sheet
Value: 44.67%
Peer Median: 6.61%
#1012 of 1070 Bottom 5.5% in 100M-500M tier
998
Total Assets
balance_sheet
Value: $109.48M
Peer Median: $196.57M
#998 of 1070 Bottom 6.8% in 100M-500M tier
993
Total Members
engagement
Value: 6,218
Peer Median: 13,200
#993 of 1070 Bottom 7.3% in 100M-500M tier
974
Total Deposits
balance_sheet
Value: $97.28M
Peer Median: $171.29M
#974 of 1070 Bottom 9.1% in 100M-500M tier
955
Loan-to-Share Ratio
balance_sheet
Value: 48.76%
Peer Median: 71.88%
#955 of 1070 Bottom 10.8% in 100M-500M tier
846
Fee Income Per Member
profitability
Value: $103.34
Peer Median: $154.95
#846 of 1070 Bottom 21.0% in 100M-500M tier
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