BlastPoint's Credit Union Scorecard
PPG & ASSOCIATES
Charter #370 · PA
PPG & ASSOCIATES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.11% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Loan Growth Rate: Bottom 7.5% in tier
- - Loan-to-Share Ratio: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,673
-4.2% YoY-2.0% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$19.9M
-4.9% YoY+0.6% QoQ
|
$-10.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
48% |
| Loans |
$4.6M
-18.8% YoY-6.8% QoQ
|
$-10.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$17.8M
-6.0% YoY+0.4% QoQ
|
$-8.0M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
0.2%
+35.8% YoY-5.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
3.2%
+8.7% YoY+0.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
94.7%
+1.0% YoY+3.0% QoQ
|
+4.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.6%
-6.5% YoY-17.1% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
26.0%
-13.6% YoY-7.2% QoQ
|
-32.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.1% in tier |
| AMR |
$13,426
-4.9% YoY+0.9% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
2.9%
+14.2% YoY+14.1% QoQ
|
-21.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)