BlastPoint's Credit Union Scorecard
BESSEMER SYSTEM
Charter #4982 ยท PA
BESSEMER SYSTEM faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Member decline: -6.8% YoY
- - Loan Growth Rate: Bottom 2.7% in tier
- - Indirect Auto Concentration (%): Bottom 3.1% in tier
- - Loan-to-Share Ratio: Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,153
-6.8% YoY-1.7% QoQ
|
+527 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$46.1M
+5.6% YoY+1.2% QoQ
|
+$16.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$9.2M
-29.2% YoY-7.3% QoQ
|
$-6.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$40.8M
+5.7% YoY+1.1% QoQ
|
+$15.4M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
76% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights โ always free
โ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard โ
| ROA |
0.6%
-55.8% YoY+84.7% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
2.5%
+104.8% YoY+4.3% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
78.3%
+16.9% YoY-6.9% QoQ
|
-3.0% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.4%
+139.7% YoY+33.1% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
22.6%
-33.0% YoY-8.3% QoQ
|
-38.6% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.5% in tier |
| AMR |
$15,872
+4.0% YoY+1.2% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
12.5%
+5.3% YoY-3.1% QoQ
|
-11.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
37.7%
-27.6% YoY-10.6% QoQ
|
+23.7% |
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)