BlastPoint's Credit Union Scorecard
BERYLCO EMPLOYEES'
Charter #62656 · PA
2556 CUs in <100M nationally
190 in PA
BERYLCO EMPLOYEES' has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 6.65% above tier (higher cost structure)
- - Member decline: -5.2% YoY
- - Total Members: Bottom 2.2% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.6% in tier
- - Total Loans: Bottom 4.5% in tier
- - Total Deposits: Bottom 5.0% in tier
- - Total Assets: Bottom 8.3% in tier
- - Deposit Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
128
-5.2% YoY-1.5% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 2.2% in tier |
| Assets |
$1.7M
-3.5% YoY-0.2% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.3% in tier |
| Loans |
$247,615
+6.6% YoY-7.6% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.5% in tier |
| Deposits |
$684,300
-9.0% YoY-1.1% QoQ
|
$-25.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.0% in tier |
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| ROA |
0.3%
-13.2% YoY-5.7% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
2.6%
+4.4% YoY+0.0% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio |
89.2%
+2.5% YoY+0.7% QoQ
|
+6.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
36.2%
+17.1% YoY-6.6% QoQ
|
-24.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$7,281
-0.1% YoY-1.4% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
13
Net Worth Ratio
risk
Value:
59.60%
Peer Median: -
#13 of 2556
Top 0.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
440
Loan Growth Rate
growth
Value:
6.55%
Peer Median: -
#440 of 2556
Top 17.2% in <100M tier
Top Weaknesses (13 metrics)
2501
Total Members
engagement
Value:
128
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2466
Members Per Employee (MPE)
engagement
Value:
42.667
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2441
Total Loans
balance_sheet
Value:
$247,615
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2429
Total Deposits
balance_sheet
Value:
$684,300
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2345
Total Assets
balance_sheet
Value:
$1.71M
Peer Median: -
#2345 of 2556
Bottom 8.3% in <100M tier
2338
Deposit Growth Rate
growth
Value:
-8.99%
Peer Median: -
#2338 of 2556
Bottom 8.6% in <100M tier
2294
Net Interest Margin (NIM)
profitability
Value:
2.63%
Peer Median: -
#2294 of 2556
Bottom 10.3% in <100M tier
2241
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,934
Peer Median: -
#2241 of 2556
Bottom 12.4% in <100M tier
2155
Loan-to-Share Ratio
balance_sheet
Value:
36.19%
Peer Median: -
#2155 of 2556
Bottom 15.7% in <100M tier