BlastPoint's Credit Union Scorecard
WEST PENN P&P
Charter #9476 · PA
WEST PENN P&P has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% above tier average
- + Members Per Employee (MPE): Top 0.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.07% above tier average
- - Member decline: -3.9% YoY
- - Loan-to-Member Ratio (LMR): Bottom 6.6% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,371
-3.9% YoY-1.1% QoQ
|
+1.7K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$22.5M
+4.3% YoY+2.5% QoQ
|
$-7.7M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$5.0M
-15.0% YoY-4.2% QoQ
|
$-10.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$19.3M
+3.6% YoY+2.6% QoQ
|
$-6.5M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
1.0%
-29.9% YoY-17.4% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.3%
-10.6% YoY-5.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
72.2%
+13.0% YoY+8.3% QoQ
|
-18.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
29% |
| Delinquency Rate |
1.6%
-54.9% YoY-2.6% QoQ
|
+0.1 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
75% |
| Loan To Share |
25.8%
-17.9% YoY-6.6% QoQ
|
-32.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.8% in tier |
| AMR |
$5,561
+3.2% YoY+2.3% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.6% in tier |
| CD Concentration |
6.4%
+0.6% YoY-1.6% QoQ
|
-17.8% | 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)