BlastPoint's Credit Union Scorecard
3HILL
Charter #68297 · PA
3HILL has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 2.6% in tier
- + AMR Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.31% below tier average
- - Efficiency ratio 30.35% above tier (higher cost structure)
- - Member decline: -6.1% YoY
- - First Mortgage Concentration (%): Bottom 5.1% in tier
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,352
-6.1% YoY-0.4% QoQ
|
+736 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$50.3M
-0.8% YoY+1.6% QoQ
|
+$20.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$26.9M
+23.4% YoY+12.5% QoQ
|
+$11.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$46.6M
-2.4% YoY+1.6% QoQ
|
+$20.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
-0.7%
+14.2% YoY+1.0% QoQ
|
-1.3% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 7.4% in tier |
| NIM |
3.1%
+15.9% YoY+3.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
112.9%
-6.1% YoY-2.2% QoQ
|
+30.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
1.5%
-12.1% YoY+6.4% QoQ
|
+0.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
72% |
| Loan To Share |
57.8%
+26.5% YoY+10.8% QoQ
|
-2.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
46% |
| AMR |
$21,952
+12.5% YoY+5.8% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 15.0% in tier |
| CD Concentration |
19.3%
-9.1% YoY+3.0% QoQ
|
-5.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 10.6% | -3.2% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)