BlastPoint's Credit Union Scorecard
PENNSYLVANIA STATE EMPLOYEES
Charter #64131 · PA
PENNSYLVANIA STATE EMPLOYEES has 5 strengths but faces 8 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 21.0% in tier
- + ROA 0.63% above tier average
- + Net Interest Margin 0.87% above tier average
- + Members Per Employee (MPE): Top 3.0% in tier
- + AMR Growth Rate: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 20.6% in tier
- - Membership Headwinds: Bottom 25.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 72.2% in tier
- - Credit Risk Growth: Bottom 73.3% in tier
- - Delinquency rate 0.17% above tier average
- - Member decline: -8.5% YoY
- - Member Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
544,889
-8.5% YoY-3.3% QoQ
|
+99.0K |
445,922
+0.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$9.3B
+6.7% YoY+3.4% QoQ
|
+$374.9M |
$8.9B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$6.9B
+4.5% YoY+1.4% QoQ
|
+$640.5M |
$6.3B
+0.8% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$8.2B
+5.2% YoY+3.0% QoQ
|
+$691.4M |
$7.5B
+1.2% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
79% |
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| ROA |
1.6%
+63.5% YoY+3.0% QoQ
|
+0.6% |
1.0%
+27.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 12.1% in tier |
| NIM |
3.8%
+7.3% YoY-0.5% QoQ
|
+0.9% |
3.0%
+12.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
53.8%
+1.1% YoY+1.2% QoQ
|
-11.0% |
64.8%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate |
0.9%
+6.7% YoY+4.3% QoQ
|
+0.2 |
0.7%
+5.5% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
84.0%
-0.7% YoY-1.6% QoQ
|
+0.6% |
83.4%
-0.6% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$27,728
+14.7% YoY+5.8% QoQ
|
$-7K |
$34,266
-1.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
26.4%
-1.7% YoY+1.2% QoQ
|
-2.7% | 29.1% | 15.5% | 19.8% | 39% |
| Indirect Auto % |
28.6%
+1.9% YoY-1.2% QoQ
|
+11.5% | 17.1% | 8.1% | 7.8% | 81% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)