BlastPoint's Credit Union Scorecard
POST GAZETTE
Charter #90 · PA
POST GAZETTE has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.05% above tier (higher cost structure)
- - Delinquency rate 2.91% above tier average
- - Deposit Growth Rate: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 6.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - AMR Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,386
-0.9% YoY+0.1% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$7.5M
-4.5% YoY-0.8% QoQ
|
$-22.7M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$3.4M
-5.7% YoY-1.7% QoQ
|
$-11.9M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$2.4M
-14.1% YoY-3.3% QoQ
|
$-23.4M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.2%
-22.8% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
4.0%
+0.9% YoY-3.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
94.7%
+1.8% YoY-6.4% QoQ
|
+4.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
4.4%
+79.0% YoY+23.4% QoQ
|
+2.9 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
144.2%
+9.8% YoY+1.6% QoQ
|
+85.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Top 0.2% in tier |
| AMR |
$4,162
-8.5% YoY-2.4% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)