BlastPoint's Credit Union Scorecard
COLFAX POWER PLANT EMPLOYEES
Charter #3237 · PA
2596 CUs in <100M nationally
198 in PA
COLFAX POWER PLANT EMPLOYEES has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Efficiency ratio 12.87% above tier (higher cost structure)
- - Delinquency rate 4.45% above tier average
- - Share Certificate Concentration (%): Bottom 2.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,071
-0.7% YoY+0.7% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$8.1M
+2.6% YoY+1.0% QoQ
|
$-21.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
28% |
| Loans |
$6.3M
+4.8% YoY+5.9% QoQ
|
$-9.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$7.1M
+2.9% YoY+0.9% QoQ
|
$-18.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
30% |
| ROA |
-0.1%
-133.2% YoY-38.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.8% in tier |
| NIM |
3.0%
-16.7% YoY-4.7% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
94.3%
+19.8% YoY+2.4% QoQ
|
+12.9% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
6.0%
-0.3% YoY+6.1% QoQ
|
+4.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 4.7% in tier |
| Loan To Share |
87.9%
+1.8% YoY+5.0% QoQ
|
+26.7% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 13.2% in tier |
| AMR |
$12,490
+4.6% YoY+2.5% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
54.2%
+20.6% YoY+1.2% QoQ
|
+29.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
110
Net Charge-Off Rate
risk
Value:
-0.11%
Peer Avg: 0.57%
#110 of 2596
Top 4.2% in <100M tier
310
Members Per Employee (MPE)
engagement
Value:
535.500
Peer Avg: 365.701
#310 of 2596
Top 11.9% in <100M tier
339
Loan-to-Share Ratio
balance_sheet
Value:
87.89%
Peer Avg: 61.23%
#339 of 2596
Top 13.0% in <100M tier
548
Loan Growth Rate
growth
Value:
4.76%
Peer Avg: 59.01%
#548 of 2596
Top 21.1% in <100M tier
Top Weaknesses (5 metrics)
2537
Share Certificate Concentration (%)
balance_sheet
Value:
54.16%
Peer Avg: 15.37%
#2537 of 2596
Bottom 2.3% in <100M tier
2476
Total Delinquency Rate (60+ days)
risk
Value:
5.95%
Peer Avg: 1.51%
#2476 of 2596
Bottom 4.7% in <100M tier
2238
Return on Assets (ROA)
profitability
Value:
-0.10%
Peer Avg: 0.68%
#2238 of 2596
Bottom 13.8% in <100M tier
2153
Efficiency Ratio
profitability
Value:
94.26%
Peer Avg: 81.39%
#2153 of 2596
Bottom 17.1% in <100M tier
2124
Net Interest Margin (NIM)
profitability
Value:
3.00%
Peer Avg: 3.93%
#2124 of 2596
Bottom 18.2% in <100M tier