BlastPoint's Credit Union Scorecard
PALCO FCU
Charter #2959 · PA
PALCO FCU has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 17.1% in tier
- + Organic Growth Engine: Top 19.0% in tier
- + Wallet Share Momentum: Top 90.2% in tier
- + ROA 0.71% above tier average
- + Loan Growth Rate: Top 1.9% in tier
- + Efficiency Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.5% in tier
- - Indirect Auto Dependency: Bottom 27.5% in tier
- - Credit Quality Pressure: Bottom 36.2% in tier
- - Total Assets: Bottom 4.0% in tier
- - Total Loans: Bottom 4.4% in tier
- - Indirect Auto Concentration (%): Bottom 4.7% in tier
- - Total Deposits: Bottom 5.1% in tier
- - Total Members: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,193
+4.3% YoY+0.1% QoQ
|
-9.2K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 6.8% in tier |
| Assets |
$105.9M
+5.5% YoY+2.4% QoQ
|
$-125.9M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.9% in tier |
| Loans |
$46.4M
+26.0% YoY+0.9% QoQ
|
$-100.9M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.3% in tier |
| Deposits |
$93.0M
+3.5% YoY+1.2% QoQ
|
$-107.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.1% in tier |
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| ROA |
1.5%
+37.5% YoY-2.9% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 11.3% in tier |
| NIM |
3.5%
+14.8% YoY+1.5% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
60.4%
-14.2% YoY-2.2% QoQ
|
-16.6% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.5% in tier |
| Delinquency Rate |
0.4%
+410.5% YoY+130.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
49.9%
+21.7% YoY-0.3% QoQ
|
-22.3% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.7% in tier |
| AMR |
$22,504
+5.5% YoY+1.0% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
23.9%
+7.2% YoY+1.1% QoQ
|
-0.5% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
44.9%
+43.5% YoY+1.6% QoQ
|
+31.1% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)