BlastPoint's Credit Union Scorecard
POST GAZETTE
Charter #90 · PA
2556 CUs in <100M nationally
190 in PA
POST GAZETTE has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Efficiency ratio 18.56% above tier (higher cost structure)
- - Delinquency rate 2.02% above tier average
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - AMR Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,385
-1.1% YoY+0.3% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$7.6M
-3.5% YoY-2.0% QoQ
|
$-22.6M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$3.5M
-7.6% YoY-3.9% QoQ
|
$-12.3M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$2.4M
-11.2% YoY-5.4% QoQ
|
$-23.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.5% in tier |
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| ROA |
-0.0%
-87.6% YoY-356.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.9% in tier |
| NIM |
4.1%
+18.8% YoY+1.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
101.1%
-8.6% YoY+1.6% QoQ
|
+18.6% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.4% in tier |
| Delinquency Rate |
3.6%
+32.5% YoY+49.5% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 10.3% in tier |
| Loan To Share |
141.9%
+4.0% YoY+1.5% QoQ
|
+81.3% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 0.2% in tier |
| AMR |
$4,264
-8.1% YoY-4.8% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.6% in tier |
| CD Concentration | 0.0% | -24.4% | 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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
3
Loan-to-Share Ratio
balance_sheet
Value:
141.91%
Peer Median: -
#3 of 2556
Top 0.1% in <100M tier
9
Net Worth Ratio
risk
Value:
66.35%
Peer Median: -
#9 of 2556
Top 0.3% in <100M tier
482
Members Per Employee (MPE)
engagement
Value:
461.667
Peer Median: -
#482 of 2556
Top 18.8% in <100M tier
Top Weaknesses (11 metrics)
2413
Deposit Growth Rate
growth
Value:
-11.16%
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2387
Average Member Relationship (AMR)
engagement
Value:
$4,264
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2325
AMR Growth Rate
growth
Value:
-8.05%
Peer Median: -
#2325 of 2556
Bottom 9.1% in <100M tier
2295
Total Delinquency Rate (60+ days)
risk
Value:
3.57%
Peer Median: -
#2295 of 2556
Bottom 10.3% in <100M tier
2290
Efficiency Ratio
profitability
Value:
101.12%
Peer Median: -
#2290 of 2556
Bottom 10.4% in <100M tier
2210
Total Deposits
balance_sheet
Value:
$2.44M
Peer Median: -
#2210 of 2556
Bottom 13.6% in <100M tier
2188
Net Charge-Off Rate
risk
Value:
1.10%
Peer Median: -
#2188 of 2556
Bottom 14.4% in <100M tier
2175
Return on Assets (ROA)
profitability
Value:
-0.05%
Peer Median: -
#2175 of 2556
Bottom 14.9% in <100M tier
2102
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,501
Peer Median: -
#2102 of 2556
Bottom 17.8% in <100M tier
2073
Asset Growth Rate
growth
Value:
-3.50%
Peer Median: -
#2073 of 2556
Bottom 18.9% in <100M tier