BlastPoint's Credit Union Scorecard
FISHER SCIENTIFIC EMPLOYEES
Charter #7844 · PA
FISHER SCIENTIFIC EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.77% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.79% below tier average
- - Efficiency ratio 6.39% above tier (higher cost structure)
- - Member decline: -18.4% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 3.6% in tier
Core Metrics
As of 2024-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
550
-18.4% YoY-8.5% QoQ
|
-2.1K |
2,666
-1.5% YoY
|
16,811
+6.1% YoY
|
31,574
+5.6% YoY
|
15% |
| Assets |
$1.8M
-24.6% YoY-17.1% QoQ
|
$-27.7M |
$29.5M
+0.5% YoY
|
$263.8M
+10.5% YoY
|
$512.2M
+5.7% YoY
|
Bottom 9.2% in tier |
| Loans |
$1.1M
-16.6% YoY-8.3% QoQ
|
$-14.8M |
$16.0M
-1.8% YoY
|
$180.5M
+7.1% YoY
|
$364.9M
+6.1% YoY
|
Bottom 12.5% in tier |
| Deposits |
$1.6M
-25.6% YoY-18.5% QoQ
|
$-23.7M |
$25.3M
-0.1% YoY
|
$226.9M
+11.0% YoY
|
$435.0M
+7.6% YoY
|
Bottom 10.4% in tier |
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| ROA |
-1.2%
-296.6% YoY-9.5% QoQ
|
-1.8% |
0.6%
-116.4% YoY
|
0.6%
-1.4% YoY
|
0.6%
-131.7% YoY
|
Bottom 5.1% in tier |
| NIM |
6.6%
+36.1% YoY+12.8% QoQ
|
+2.8% |
3.8%
+96.9% YoY
|
3.4%
+9.1% YoY
|
3.6%
+50.3% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
90.9%
+4.3% YoY+7.5% QoQ
|
+6.4% |
84.5%
-2.9% YoY
|
78.5%
-3.3% YoY
|
82.3%
-1.8% YoY
|
75% |
| Delinquency Rate |
0.6%
+42.9% YoY+182.3% QoQ
|
-1.0 |
1.6%
+6.3% YoY
|
1.4%
-2.8% YoY
|
1.3%
+8.3% YoY
|
47% |
| Loan To Share |
70.5%
+12.1% YoY+12.5% QoQ
|
+7.9% |
62.6%
-1.1% YoY
|
56.2%
-0.6% YoY
|
68.6%
-1.2% YoY
|
61% |
| AMR |
$5,005
-4.6% YoY-6.6% QoQ
|
$-10K |
$14,991
+4.6% YoY
|
$15,830
+2.7% YoY
|
$19,294
+3.8% YoY
|
Bottom 9.0% in tier |
| CD Concentration |
0.3%
+34.7% YoY+22.7% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 50% |
Signature Analysis
Strengths (0)
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)