BlastPoint's Credit Union Scorecard
COLFAX POWER PLANT EMPLOYEES
Charter #3237 · PA
COLFAX POWER PLANT EMPLOYEES has 2 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
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 11.77% above tier (higher cost structure)
- - Delinquency rate 3.87% above tier average
- - Share Certificate Concentration (%): Bottom 1.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,072
-0.6% YoY+0.1% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$8.2M
+3.8% YoY+1.2% QoQ
|
$-21.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$6.2M
+4.6% YoY-0.6% QoQ
|
$-9.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$7.2M
+4.0% YoY+1.2% QoQ
|
$-18.5M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
-0.0%
-17.7% YoY-71.5% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.0%
-14.4% YoY-0.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
94.3%
+15.9% YoY+0.1% QoQ
|
+11.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
5.4%
+2.7% YoY-8.8% QoQ
|
+3.9 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 5.6% in tier |
| Loan To Share |
86.3%
+0.6% YoY-1.8% QoQ
|
+25.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 14.0% in tier |
| AMR |
$12,524
+4.9% YoY+0.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
56.0%
+16.9% YoY+3.4% QoQ
|
+31.6% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)