BlastPoint's Credit Union Scorecard

PHILADELPHIA

Charter #7238 · PA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 8 in PA

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PHILADELPHIA has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 29.0% in tier
+ Organic Growth Leader: Top 31.9% in tier
+ Wallet Share Momentum: Top 40.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.08% below tier average
- Delinquency rate 0.21% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	121,533 +1.1% YoY+0.6% QoQ	+22.9K	98,678 -1.9% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	73%
Assets	$1.9B +9.1% YoY+0.5% QoQ	+$142.8M	$1.7B +0.5% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	64%
Loans	$1.2B +11.3% YoY+3.5% QoQ	$-29.2M	$1.2B +0.5% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	59%
Deposits	$1.6B +8.5% YoY-0.2% QoQ	+$169.7M	$1.5B +1.3% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	66%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +10.0% YoY-4.6% QoQ	-0.1%	0.7% +13.4% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	46%
NIM	2.8% +2.2% YoY+4.4% QoQ	-0.4%	3.3% +9.3% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	21%
Efficiency Ratio	72.7% -4.7% YoY+0.6% QoQ	-1.3%	74.0% -10.9% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	40%
Delinquency Rate	1.0% -15.6% YoY-5.0% QoQ	+0.2	0.8% +6.1% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	77%
Loan To Share	74.1% +2.6% YoY+3.7% QoQ	-11.1%	85.2% -0.8% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	20%
AMR	$23,268 +8.5% YoY+0.7% QoQ	$-6K	$29,172 +2.8% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	22%
CD Concentration	23.8% +18.5% YoY+0.4% QoQ	-5.2%	29.0% +0.7% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	26%
Indirect Auto %	12.1% +465.7% YoY+1053.2% QoQ	-6.7%	18.8% -3.0% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	40%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#211 of 246 • Top 29.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.63%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 12.09%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Leader

growth

#126 of 138 • Top 31.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.11%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 12.09%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#47 of 116 • Top 40.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.49%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank worsening

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 8.49%

Peer Avg: -

#40 of 304 Top 12.8% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.33%

Peer Avg: -

#45 of 304 Top 14.5% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.15%

Peer Avg: -

#52 of 304 Top 16.8% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.11%

Peer Avg: -

#54 of 304 Top 17.4% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.52%

Peer Avg: -

#68 of 304 Top 22.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 411.976

Peer Avg: -

#73 of 304 Top 23.7% in 1B-3B tier

Top Weaknesses (6 metrics)

253

Loan-to-Member Ratio (LMR)

engagement

Value: $9,906

Peer Avg: -

#253 of 304 Bottom 17.1% in 1B-3B tier

244

Loan-to-Share Ratio

balance_sheet

Value: 74.13%

Peer Avg: -

#244 of 304 Bottom 20.1% in 1B-3B tier

240

Net Interest Margin (NIM)

profitability

Value: 2.81%

Peer Avg: -

#240 of 304 Bottom 21.4% in 1B-3B tier

236

Average Member Relationship (AMR)

engagement

Value: $23,268

Peer Avg: -

#236 of 304 Bottom 22.7% in 1B-3B tier

234

Total Delinquency Rate (60+ days)

risk

Value: 1.03%

Peer Avg: -

#234 of 304 Bottom 23.4% in 1B-3B tier

230

Net Charge-Off Rate

risk

Value: 0.80%

Peer Avg: -

#230 of 304 Bottom 24.7% in 1B-3B tier