BlastPoint's Credit Union Scorecard
PENNSYLVANIA STATE EMPLOYEES
Charter #64131 · PA
PENNSYLVANIA STATE EMPLOYEES has 5 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.5% in tier
- + ROA 0.95% above tier average
- + Net Interest Margin 0.82% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Members Per Employee (MPE): Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 42.2% in tier
- - Membership Headwinds: Bottom 93.8% in tier
- - Stagnation Risk: Bottom 93.8% in tier
- - Member decline: -3.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 2 that size in Pennsylvania.
- Shares and deposits +5.6% year over year ($8.48B in shares and deposits).
- Membership: 547,167 members, -3.0% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 1.98%.
- Efficiency ratio 49.27% vs a 66.07% peer average.
- Loan-to-share ratio 84.00% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
547,167
-3.0% YoY+0.2% QoQ
|
+108.3K |
438,885
-1.1% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$9.7B
+7.2% YoY+0.3% QoQ
|
+$734.5M |
$8.9B
+0.0% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$7.1B
+7.1% YoY+2.4% QoQ
|
+$906.6M |
$6.2B
-0.6% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$8.5B
+5.6% YoY-0.2% QoQ
|
+$822.9M |
$7.7B
+2.7% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Top 14.3% in tier |
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| ROA |
2.0%
+38.9% YoY+10.9% QoQ
|
+1.0% |
1.0%
+4.7% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 7.1% in tier |
| NIM |
3.9%
+3.3% YoY+1.4% QoQ
|
+0.8% |
3.1%
+6.6% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
49.3%
-8.2% YoY-2.7% QoQ
|
-16.8% |
66.1%
+1.6% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.8%
-13.4% YoY-2.1% QoQ
|
+0.0 |
0.8%
+23.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
84.0%
+1.4% YoY+2.7% QoQ
|
+2.7% |
81.3%
-3.8% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
57% |
| AMR |
$28,514
+9.6% YoY+0.7% QoQ
|
$-9K |
$37,279
+8.1% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
25.0%
-0.3% YoY-0.7% QoQ
|
-3.3% | 28.3% | 15.6% | 20.0% | 33% |
| Indirect Auto % |
27.6%
-3.5% YoY+0.0% QoQ
|
+10.8% | 16.8% | 8.4% | 7.7% | 80% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)