BlastPoint's Credit Union Scorecard
UKRAINIAN SELFRELIANCE
Charter #7875 · PA
UKRAINIAN SELFRELIANCE has 9 strengths but faces 7 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
- + Organic Growth Leader: Top 29.7% in tier
- + Organic Growth Engine: Top 31.6% in tier
- + Credit Quality Leader: Top 33.9% in tier
- + Relationship Depth Leader: Top 54.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 0.6% in tier
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.8% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 14.10% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Total Members: Bottom 1.2% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,805
+0.8% YoY+0.8% QoQ
|
-22.9K |
39,752
-2.7% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.6% in tier |
| Assets |
$544.7M
+3.0% YoY+0.5% QoQ
|
$-77.7M |
$622.4M
+0.3% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$423.9M
+2.4% YoY-0.2% QoQ
|
$-12.1M |
$435.9M
-0.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$472.6M
+8.2% YoY+1.1% QoQ
|
$-65.4M |
$538.0M
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
0.2%
+145.5% YoY-35.2% QoQ
|
-0.5% |
0.7%
+33.9% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.6% in tier |
| NIM |
1.9%
+14.4% YoY+4.1% QoQ
|
-1.5% |
3.4%
+8.6% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
92.2%
-4.8% YoY+5.3% QoQ
|
+14.1% |
78.1%
-3.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 5.3% in tier |
| Delinquency Rate |
0.2%
-83.2% YoY-47.4% QoQ
|
-0.6 |
0.8%
-4.9% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
89.7%
-5.3% YoY-1.2% QoQ
|
+8.7% |
81.0%
-1.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$53,347
+4.5% YoY-0.3% QoQ
|
+$27K |
$26,482
+2.6% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 1.2% in tier |
| CD Concentration |
52.3%
-5.4% YoY+0.2% QoQ
|
+27.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
Top 0.8% in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)