BlastPoint's Credit Union Scorecard
PALCO FCU
Charter #2959 · PA
PALCO FCU has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.41% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Total Loans: Bottom 5.4% in tier
- - Indirect Auto Concentration (%): Bottom 6.0% in tier
- - Total Assets: Bottom 6.4% in tier
- - Total Members: Bottom 7.8% in tier
- - Total Deposits: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +4.7% year over year ($97.1M in shares and deposits).
- Membership: 6,267 members, +2.8% vs a year ago.
- Delinquency rate 0.20%.
- Return on assets 1.27%.
- Efficiency ratio 69.19% vs a 76.73% peer average.
- Loan-to-share ratio 49.13% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,267
+2.8% YoY+0.8% QoQ
|
-8.9K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 7.7% in tier |
| Assets |
$109.3M
+5.4% YoY-0.2% QoQ
|
$-122.7M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.3% in tier |
| Loans |
$47.7M
+11.5% YoY+0.5% QoQ
|
$-98.6M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.3% in tier |
| Deposits |
$97.1M
+4.7% YoY-0.2% QoQ
|
$-103.7M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 8.6% in tier |
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| ROA |
1.3%
-7.0% YoY+13.6% QoQ
|
+0.4% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
3.6%
+8.6% YoY+1.9% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
69.2%
+7.7% YoY-1.9% QoQ
|
-7.5% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.2%
-27.5% YoY+142.4% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 11.3% in tier |
| Loan To Share |
49.1%
+6.5% YoY+0.7% QoQ
|
-22.4% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.6% in tier |
| AMR |
$23,094
+3.9% YoY-0.8% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
22.4%
-0.9% YoY-3.2% QoQ
|
-2.1% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
43.6%
+7.1% YoY-2.3% QoQ
|
+30.0% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)