BlastPoint's Credit Union Scorecard

BESSEMER SYSTEM

Charter #4982 ยท PA

2596 CUs in <100M nationally 198 in 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%

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Tier 1
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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)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2596 peers in tier

Top Strengths (5 metrics)

536
Members Per Employee (MPE)
engagement
Value: 450.429
Peer Avg: -
#536 of 2596 Top 20.6% in <100M tier
543
Deposit Growth Rate
growth
Value: 5.70%
Peer Avg: -
#543 of 2596 Top 20.9% in <100M tier
591
Asset Growth Rate
growth
Value: 5.56%
Peer Avg: -
#591 of 2596 Top 22.7% in <100M tier
620
Total Deposits
balance_sheet
Value: $40.81M
Peer Avg: -
#620 of 2596 Top 23.8% in <100M tier
645
Total Assets
balance_sheet
Value: $46.05M
Peer Avg: -
#645 of 2596 Top 24.8% in <100M tier

Top Weaknesses (6 metrics)

2527
Loan Growth Rate
growth
Value: -29.20%
Peer Avg: -
#2527 of 2596 Bottom 2.7% in <100M tier
2516
Indirect Auto Concentration (%)
balance_sheet
Value: 37.69%
Peer Avg: -
#2516 of 2596 Bottom 3.1% in <100M tier
2448
Loan-to-Share Ratio
balance_sheet
Value: 22.62%
Peer Avg: -
#2448 of 2596 Bottom 5.7% in <100M tier
2389
Net Interest Margin (NIM)
profitability
Value: 2.53%
Peer Avg: -
#2389 of 2596 Bottom 8.0% in <100M tier
2323
Member Growth Rate
growth
Value: -6.80%
Peer Avg: -
#2323 of 2596 Bottom 10.6% in <100M tier
2006
Loan-to-Member Ratio (LMR)
engagement
Value: $2,928
Peer Avg: -
#2006 of 2596 Bottom 22.8% in <100M tier
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