BlastPoint's Credit Union Scorecard
PPG & ASSOCIATES
Charter #370 · PA
PPG & ASSOCIATES has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Efficiency ratio 9.39% above tier (higher cost structure)
- - Member decline: -8.5% YoY
- - Member Growth Rate: Bottom 7.0% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,708
-8.5% YoY-0.4% QoQ
|
-907 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$19.8M
-4.4% YoY-1.2% QoQ
|
$-10.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$5.0M
-12.9% YoY-4.7% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$17.8M
-5.3% YoY-1.4% QoQ
|
$-7.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.2%
-53.0% YoY-24.6% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.2%
+12.5% YoY+2.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
91.9%
+9.5% YoY+1.7% QoQ
|
+9.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.7%
+532.6% YoY+20.5% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
28.0%
-8.0% YoY-3.3% QoQ
|
-32.6% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.4% in tier |
| AMR |
$13,308
+1.6% YoY-1.8% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
2.5%
-10.3% YoY-2.9% QoQ
|
-21.9% | 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)