BlastPoint's Credit Union Scorecard

PHILADELPHIA

Charter #7238 · PA

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 10 in PA
View Mid-Market leaderboard →

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

  • + Wallet Share Momentum: Top 16.8% in tier
  • + Organic Growth Leader: Top 60.0% in tier
  • + Organic Growth Engine: Top 60.0% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.16% below tier average
  • - Delinquency rate 0.10% above tier average

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 122,105
+1.2% YoY+0.3% QoQ
 +26.1K 96,048
-2.7% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 76%
Assets $2.0B
+9.3% YoY+3.0% QoQ
 +$285.9M $1.7B
+0.4% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 68%
Loans $1.2B
+9.0% YoY+0.3% QoQ
 +$22.3M $1.2B
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 62%
Deposits $1.8B
+8.7% YoY+3.2% QoQ
 +$291.8M $1.5B
+0.5% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 72%

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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%
+58.0% YoY-12.2% QoQ
 -0.2% 0.7%
+27.6% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 39%
NIM 3.0%
+10.0% YoY+4.6% QoQ
 -0.4% 3.4%
+6.2% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 21%
Efficiency Ratio 73.7%
-2.0% YoY+0.9% QoQ
 -0.9% 74.6%
-3.0% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 44%
Delinquency Rate 0.9%
-13.5% YoY-29.6% QoQ
 +0.1 0.8%
+6.9% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 72%
Loan To Share 70.3%
+0.2% YoY-2.7% QoQ
 -12.8% 83.2%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 16%
AMR $24,514
+7.5% YoY+1.7% QoQ
 $-5K $29,652
+2.3% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 28%
CD Concentration 23.6%
+12.5% YoY+4.3% QoQ
 -5.3% 28.8% 15.4% 19.8% 26%
Indirect Auto % 1.0%
-4.9% YoY-4.5% QoQ
 -17.1% 18.1% 8.3% 7.7% 18%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#64 of 125 • Top 16.8% in tier

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

Why This Signature
AMR Growth (YoY): 7.46%
(Tier: 3.34%, National: 6.36%)
better than tier avg
125 of 384 Mid-Market CUs have this signature | 637 nationally
↑ Growing +31 CUs YoY | Rank worsening

Organic Growth Leader

growth
#99 of 116 • Top 60.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 0.98%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth
#102 of 115 • Top 60.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.24%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.56%
(Tier: 0.72%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.98%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

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)

Comparing against 306 peers in tier

Top Strengths (6 metrics)

56
AMR Growth Rate
growth
Value: 7.46%
Peer Median: 3.15%
#56 of 306 Top 18.0% in 1B-3B tier
57
Asset Growth Rate
growth
Value: 9.28%
Peer Median: 4.82%
#57 of 306 Top 18.3% in 1B-3B tier
60
Deposit Growth Rate
growth
Value: 8.69%
Peer Median: 4.44%
#60 of 306 Top 19.3% in 1B-3B tier
61
Indirect Auto Concentration (%)
balance_sheet
Value: 0.98%
Peer Median: 13.86%
#61 of 306 Top 19.6% in 1B-3B tier
73
Total Members
engagement
Value: 122,105
Peer Median: 85,918
#73 of 306 Top 23.5% in 1B-3B tier
77
Members Per Employee (MPE)
engagement
Value: 405.664
Peer Median: 345.077
#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (3 metrics)

256
Loan-to-Share Ratio
balance_sheet
Value: 70.33%
Peer Median: 85.31%
#256 of 306 Bottom 16.7% in 1B-3B tier
252
Loan-to-Member Ratio (LMR)
engagement
Value: $10,122
Peer Median: $12,733
#252 of 306 Bottom 18.0% in 1B-3B tier
242
Net Interest Margin (NIM)
profitability
Value: 2.96%
Peer Median: 3.37%
#242 of 306 Bottom 21.2% in 1B-3B tier
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