BlastPoint's Credit Union Scorecard
PHEPLE
Charter #7297 · PA
PHEPLE has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.90% above tier average
- + First Mortgage Concentration (%): Top 6.1% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 7.40% above tier (higher cost structure)
- - Member decline: -2.1% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +2.7% year over year ($121M in shares and deposits).
- Membership: 18,430 members, -2.1% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.75%.
- Efficiency ratio 84.14% vs a 76.73% peer average.
- Loan-to-share ratio 93.38% vs a 71.54% 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 |
18,430
-2.1% YoY+0.8% QoQ
|
+3.3K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$134.0M
+3.3% YoY-2.0% QoQ
|
$-98.0M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
22% |
| Loans |
$113.1M
+8.0% YoY+4.6% QoQ
|
$-33.2M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
44% |
| Deposits |
$121.1M
+2.7% YoY-2.5% QoQ
|
$-79.6M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.8%
+84.1% YoY+54.9% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
4.6%
+8.6% YoY+4.8% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 8.8% in tier |
| Efficiency Ratio |
84.1%
-3.7% YoY-0.9% QoQ
|
+7.4% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.6%
-9.8% YoY-7.7% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
93.4%
+5.2% YoY+7.3% QoQ
|
+21.8% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 8.6% in tier |
| AMR |
$12,705
+7.5% YoY+0.0% QoQ
|
$-12K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.2% in tier |
| CD Concentration |
16.6%
+9.6% YoY-10.2% QoQ
|
-8.0% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
28.7%
+1.9% YoY+0.1% QoQ
|
+15.1% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)