BlastPoint's Credit Union Scorecard
POST GAZETTE
Charter #90 · PA
POST GAZETTE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Loan-to-Share Ratio: Top 0.1% in tier
- + Net Worth Ratio: Top 0.2% in tier
- + Members Per Employee (MPE): Top 4.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 8.84% above tier (higher cost structure)
- - Delinquency rate 1.88% above tier average
- - Deposit Growth Rate: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 5.9% in tier
- - Average Member Relationship (AMR): Bottom 6.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -15.1% year over year ($2.3M in shares and deposits).
- Membership: 1,380 members, -0.3% vs a year ago.
- Delinquency rate 3.42%.
- Return on assets 0.10%.
- Efficiency ratio 97.61% vs a 88.77% peer average.
- Loan-to-share ratio 148.49% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,380
-0.3% YoY-0.4% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$7.4M
-4.9% YoY-1.3% QoQ
|
$-22.9M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$3.4M
-9.3% YoY-1.4% QoQ
|
$-12.1M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$2.3M
-15.1% YoY-4.2% QoQ
|
$-23.5M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.4% in tier |
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| ROA |
0.1%
-53.7% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.5% in tier |
| NIM |
4.1%
+2.7% YoY+3.0% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
97.6%
-2.3% YoY+3.1% QoQ
|
+8.8% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
3.4%
+87.9% YoY-22.4% QoQ
|
+1.9 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 11.3% in tier |
| Loan To Share |
148.5%
+6.9% YoY+3.0% QoQ
|
+89.6% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 0.2% in tier |
| AMR |
$4,074
-11.5% YoY-2.1% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)