BlastPoint's Credit Union Scorecard
PENNSYLVANIA STATE EMPLOYEES
Charter #64131 · PA
PENNSYLVANIA STATE EMPLOYEES has 6 strengths but faces 7 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 29.4% in tier
- + Profitability Leader: Top 33.3% in tier
- + ROA 0.52% above tier average
- + Net Interest Margin 0.86% above tier average
- + AMR Growth Rate: Top 3.3% in tier
- + Members Per Employee (MPE): Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.3% in tier
- - Indirect Auto Dependency: Bottom 6.1% in tier
- - Membership Headwinds: Bottom 8.7% in tier
- - Delinquency rate 0.18% above tier average
- - Member decline: -5.1% YoY
- - Member Growth Rate: Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
563,709
-5.1% YoY-0.1% QoQ
|
+104.4K |
459,296
+3.8% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$9.0B
+5.3% YoY-0.1% QoQ
|
+$76.6M |
$8.9B
+1.2% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$6.8B
+3.0% YoY+2.2% QoQ
|
+$459.1M |
$6.3B
+2.9% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$8.0B
+4.4% YoY-0.8% QoQ
|
+$514.4M |
$7.5B
+2.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
1.5%
+25.3% YoY+8.7% QoQ
|
+0.5% |
1.0%
+22.1% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 13.3% in tier |
| NIM |
3.9%
+7.6% YoY+2.4% QoQ
|
+0.9% |
3.0%
+11.5% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 10.0% in tier |
| Efficiency Ratio |
53.2%
+2.3% YoY-0.9% QoQ
|
-10.5% |
63.7%
-2.2% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.3% in tier |
| Delinquency Rate |
0.8%
-1.0% YoY-2.4% QoQ
|
+0.2 |
0.7%
+10.8% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
85.3%
-1.4% YoY+3.0% QoQ
|
-0.1% |
85.4%
+0.7% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$26,199
+9.3% YoY+0.7% QoQ
|
$-7K |
$33,660
-2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
20% |
| CD Concentration |
26.1%
-3.2% YoY+4.3% QoQ
|
-2.7% |
28.9%
-1.3% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
34% |
| Indirect Auto % |
28.9%
+3.1% YoY+1.1% QoQ
|
+12.3% |
16.6%
-10.3% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
81% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
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)