BlastPoint's Credit Union Scorecard
PAAC TRANSIT DIVISION
Charter #3810 · PA
PAAC TRANSIT DIVISION has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.9% in tier
- + Loan Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 8.0% in tier
- - Net Charge-Off Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,057
+2.4% YoY+0.3% QoQ
|
+431 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
68% |
| Assets |
$28.4M
+0.6% YoY+0.4% QoQ
|
$-1.5M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
58% |
| Loans |
$6.3M
+18.0% YoY+18.7% QoQ
|
$-9.4M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$23.1M
-0.6% YoY-0.3% QoQ
|
$-2.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
57% |
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| ROA |
1.9%
+13.9% YoY+23.9% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 10.4% in tier |
| NIM |
3.7%
+9.1% YoY+5.7% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
42.8%
-7.4% YoY-11.7% QoQ
|
-38.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.9% in tier |
| Delinquency Rate |
0.5%
-75.8% YoY+18.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
43% |
| Loan To Share |
27.4%
+18.7% YoY+19.0% QoQ
|
-33.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.8% in tier |
| AMR |
$9,639
+0.5% YoY+3.0% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)