BlastPoint's Credit Union Scorecard
PHEPLE
Charter #7297 · PA
PHEPLE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 20.1% in tier
- + Net Interest Margin 0.80% above tier average
- + Strong member growth: 9.4% YoY
- + Member Growth Rate: Top 3.6% in tier
- + First Mortgage Concentration (%): Top 6.0% in tier
- + Deposit Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.2% in tier
- - Indirect Auto Dependency: Bottom 12.4% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 11.84% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,086
+9.4% YoY+1.3% QoQ
|
+3.5K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$132.1M
+9.6% YoY+1.9% QoQ
|
$-99.2M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$106.9M
+10.0% YoY+2.1% QoQ
|
$-40.9M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$120.4M
+11.6% YoY+2.2% QoQ
|
$-79.9M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
0.3%
-5.2% YoY-20.5% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
4.4%
+14.8% YoY+3.7% QoQ
|
+0.8% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
89.1%
-0.1% YoY+2.0% QoQ
|
+11.8% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 11.8% in tier |
| Delinquency Rate |
0.7%
-11.3% YoY+13.1% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
52% |
| Loan To Share |
88.8%
-1.5% YoY-0.0% QoQ
|
+16.1% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$11,909
+1.3% YoY+0.8% QoQ
|
$-12K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.9% in tier |
| CD Concentration |
20.7%
+0.6% YoY+36.8% QoQ
|
-3.7% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
27.5%
-11.9% YoY-2.3% QoQ
|
+13.6% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)