BlastPoint's Credit Union Scorecard
PHILADELPHIA
Charter #7238 · PA
PHILADELPHIA has 3 strengths but faces 2 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 12.9% in tier
- + Organic Growth Engine: Top 63.2% in tier
- + Organic Growth Leader: Top 63.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 0.13% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
- Shares and deposits +9.7% year over year ($1.78B in shares and deposits).
- Membership: 121,972 members, +1.0% vs a year ago.
- Delinquency rate 0.99%.
- Return on assets 0.65%.
- Efficiency ratio 71.17% vs a 73.02% peer average.
- Loan-to-share ratio 71.65% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,972
+1.0% YoY-0.1% QoQ
|
+25.1K |
96,861
-1.9% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$2.0B
+9.9% YoY+1.6% QoQ
|
+$312.9M |
$1.7B
+0.4% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$1.3B
+9.9% YoY+3.5% QoQ
|
+$44.5M |
$1.2B
+0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$1.8B
+9.7% YoY+1.6% QoQ
|
+$321.3M |
$1.5B
+0.5% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
72% |
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| ROA |
0.6%
-1.5% YoY+16.4% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
2.9%
+9.2% YoY-0.4% QoQ
|
-0.5% |
3.4%
+6.6% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
71.2%
-1.5% YoY-3.4% QoQ
|
-1.8% |
73.0%
-2.7% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
40% |
| Delinquency Rate |
1.0%
-8.9% YoY+16.3% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
71.7%
+0.2% YoY+1.9% QoQ
|
-13.1% |
84.7%
+0.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$25,115
+8.7% YoY+2.5% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
25.2%
+6.5% YoY+7.1% QoQ
|
-3.9% | 29.1% | 15.6% | 20.0% | 32% |
| Indirect Auto % |
0.9%
-15.9% YoY-10.0% QoQ
|
-17.2% | 18.1% | 8.4% | 7.7% | 17% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)