BlastPoint's Credit Union Scorecard
WEST PENN P&P
Charter #9476 · PA
WEST PENN P&P has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.06% above tier average
- - Member decline: -4.3% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
- - Loan-to-Share Ratio: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,421
-4.3% YoY-0.6% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$21.9M
+1.8% YoY-1.1% QoQ
|
$-8.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$5.2M
-14.3% YoY-5.4% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$18.8M
+0.6% YoY-1.5% QoQ
|
$-6.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
1.2%
+34.9% YoY-12.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
3.5%
+1.5% YoY-2.0% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
66.7%
+2.3% YoY+6.8% QoQ
|
-15.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.6%
-35.4% YoY-22.0% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
27.6%
-14.8% YoY-4.0% QoQ
|
-33.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.2% in tier |
| AMR |
$5,435
+1.3% YoY-1.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
6.6%
+3.3% YoY+4.2% QoQ
|
-17.9% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)