BlastPoint's Credit Union Scorecard

JESSOP COMMUNITY

Charter #7724 · PA

2596 CUs in <100M nationally 198 in PA

JESSOP COMMUNITY has 3 strengths but faces 1 concern

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.12% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -6.8% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,702 -6.8% YoY+0.2% QoQ	+76	2,625 -2.2% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	63%
Assets	$32.6M +1.3% YoY-0.6% QoQ	+$2.8M	$29.9M +1.1% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	62%
Loans	$11.7M -11.9% YoY-1.0% QoQ	$-4.1M	$15.8M -2.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	55%
Deposits	$28.2M -0.6% YoY-1.2% QoQ	+$2.8M	$25.5M +0.4% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	63%

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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	1.8% +19.6% YoY+10.7% QoQ	+1.1%	0.7% -731.4% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Top 12.8% in tier
NIM	3.8% +3.1% YoY+1.2% QoQ	-0.2%	3.9% +3.8% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	45%
Efficiency Ratio	58.6% -7.2% YoY-5.3% QoQ	-22.8%	81.4% -2.4% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Bottom 12.4% in tier
Delinquency Rate	0.2% -40.5% YoY+25.8% QoQ	-1.4	1.5% -2.0% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	24%
Loan To Share	41.3% -11.4% YoY+0.2% QoQ	-19.9%	61.2% -3.0% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	20%
AMR	$14,772 +2.8% YoY-1.3% QoQ	+$145	$14,627 -2.7% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	56%
CD Concentration	5.9% +12.6% YoY+13.9% QoQ	-18.5%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 2596 Top 0.0% in <100M tier

322

Efficiency Ratio

profitability

Value: 58.56%

Peer Avg: -

#322 of 2596 Top 12.4% in <100M tier

332

Return on Assets (ROA)

profitability

Value: 1.80%

Peer Avg: -

#332 of 2596 Top 12.8% in <100M tier

537

Members Per Employee (MPE)

engagement

Value: 450.333

Peer Avg: -

#537 of 2596 Top 20.6% in <100M tier

635

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Avg: -

#635 of 2596 Top 24.4% in <100M tier

Top Weaknesses (3 metrics)

2325

Member Growth Rate

growth

Value: -6.83%

Peer Avg: -

#2325 of 2596 Bottom 10.5% in <100M tier

2165

Loan Growth Rate

growth

Value: -11.92%

Peer Avg: -

#2165 of 2596 Bottom 16.6% in <100M tier

2060

Loan-to-Share Ratio

balance_sheet

Value: 41.32%

Peer Avg: -

#2060 of 2596 Bottom 20.7% in <100M tier