BlastPoint's Credit Union Scorecard
UTILITIES EMPLOYEES
Charter #64896 · PA
UTILITIES EMPLOYEES has 10 strengths but faces 10 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
- + Organic Growth Leader: Top 0.7% in tier
- + Organic Growth Engine: Top 19.1% in tier
- + Strong member growth: 29.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.0% in tier
- + Members Per Employee (MPE): Top 4.3% in tier
- + Asset Growth Rate: Top 5.6% in tier
- + Loan Growth Rate: Top 6.3% in tier
- + Net Worth Ratio: Top 6.3% in tier
- + Deposit Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.6% in tier
- - Shrinking Wallet Share: Bottom 5.1% in tier
- - Credit Quality Pressure: Bottom 8.6% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 4.16% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - AMR Growth Rate: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 4.3% in tier
- - Fee Income Per Member: Bottom 5.0% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
64,606
+29.3% YoY+0.3% QoQ
|
-32.8K |
97,431
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$1.5B
+15.5% YoY+0.6% QoQ
|
$-222.3M |
$1.7B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
49% |
| Loans |
$782.7M
+16.2% YoY+3.3% QoQ
|
$-451.7M |
$1.2B
+0.5% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.6% in tier |
| Deposits |
$1.3B
+13.8% YoY+0.4% QoQ
|
$-207.8M |
$1.5B
+0.9% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
45% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+4543.6% YoY+14.1% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.2%
+33.5% YoY+0.4% QoQ
|
-1.1% |
3.3%
+9.2% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
78.2%
-9.7% YoY-0.5% QoQ
|
+4.2% |
74.1%
-9.5% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.1%
+102.9% YoY-3.3% QoQ
|
+0.2 |
0.9%
+6.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
62.5%
+2.1% YoY+3.0% QoQ
|
-22.2% |
84.8%
-0.8% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.3% in tier |
| AMR |
$31,488
-11.3% YoY+1.2% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
35.8%
+2.1% YoY+1.8% QoQ
|
+6.7% | 29.0% | 15.5% | 19.8% | 79% |
| Indirect Auto % | 0.0% | -18.3% | 18.3% | 8.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)