BlastPoint's Credit Union Scorecard

ALLEG-KISKI POSTAL

Charter #8825 · PA

<100M

2556 CUs in <100M nationally 190 in PA

ALLEG-KISKI POSTAL has 2 strengths but faces 2 concerns

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 0.31% above tier average
+ Net Interest Margin 0.61% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.97% above tier average
- Member decline: -5.5% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,470 -5.5% YoY-1.1% QoQ	-145	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	60%
Assets	$19.2M +2.6% YoY+0.6% QoQ	$-10.9M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	47%
Loans	$8.3M +1.5% YoY-5.9% QoQ	$-7.4M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	46%
Deposits	$15.6M +2.1% YoY+0.4% QoQ	$-10.1M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	46%

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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	0.9% -27.2% YoY+0.8% QoQ	+0.3%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	63%
NIM	4.6% -8.4% YoY-1.0% QoQ	+0.6%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	75%
Efficiency Ratio	67.6% +5.2% YoY-1.0% QoQ	-15.0%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	23%
Delinquency Rate	2.5% -28.3% YoY+7.2% QoQ	+1.0	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	83%
Loan To Share	53.4% -0.6% YoY-6.3% QoQ	-7.2%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	38%
AMR	$9,682 +7.8% YoY-0.8% QoQ	$-5K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	26%
CD Concentration	6.7% +20.8% YoY+0.8% QoQ	-17.7%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.1%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

389

AMR Growth Rate

growth

Value: 7.79%

Peer Median: -

#389 of 2556 Top 15.2% in <100M tier

391

Members Per Employee (MPE)

engagement

Value: 494.000

Peer Median: -

#391 of 2556 Top 15.3% in <100M tier

580

Efficiency Ratio

profitability

Value: 67.56%

Peer Median: -

#580 of 2556 Top 22.7% in <100M tier

635

Net Interest Margin (NIM)

profitability

Value: 4.56%

Peer Median: -

#635 of 2556 Top 24.8% in <100M tier

Top Weaknesses (3 metrics)

2183

Member Growth Rate

growth

Value: -5.51%

Peer Median: -

#2183 of 2556 Bottom 14.6% in <100M tier

2180

Net Charge-Off Rate

risk

Value: 1.08%

Peer Median: -

#2180 of 2556 Bottom 14.7% in <100M tier

2128

Total Delinquency Rate (60+ days)

risk

Value: 2.52%

Peer Median: -

#2128 of 2556 Bottom 16.8% in <100M tier