BlastPoint's Credit Union Scorecard
PHILADELPHIA
Charter #7238 · PA
PHILADELPHIA has 3 strengths but faces 4 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 41.8% in tier
- + Organic Growth Engine: Top 74.4% in tier
- + Organic Growth Leader: Top 88.7% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 73.6% in tier
- - Credit Quality Pressure: Bottom 97.6% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.31% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,744
+1.3% YoY+0.2% QoQ
|
+24.3K |
97,431
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$1.9B
+10.3% YoY+4.6% QoQ
|
+$224.0M |
$1.7B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$1.2B
+10.1% YoY+2.3% QoQ
|
$-2.6M |
$1.2B
+0.5% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$1.7B
+9.5% YoY+4.9% QoQ
|
+$244.2M |
$1.5B
+0.9% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.6%
+9.3% YoY+1.1% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.8%
+5.1% YoY+0.5% QoQ
|
-0.4% |
3.3%
+9.2% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
73.0%
-3.2% YoY+0.4% QoQ
|
-1.1% |
74.1%
-9.5% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
1.2%
+0.7% YoY+17.1% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
72.3%
+0.5% YoY-2.5% QoQ
|
-12.5% |
84.8%
-0.8% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$24,111
+8.4% YoY+3.6% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
22.6%
+5.8% YoY-5.1% QoQ
|
-6.5% | 29.0% | 15.5% | 19.8% | 23% |
| Indirect Auto % |
1.0%
-45.0% YoY-91.5% QoQ
|
-17.3% | 18.3% | 8.1% | 7.8% | 18% |
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 (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)