BlastPoint's Credit Union Scorecard
PSE CREDIT UNION, INC.
Charter #96768 · OH
PSE CREDIT UNION, INC. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 33.1% in tier
- + Profitability Leader: Top 74.9% in tier
- + ROA 0.46% above tier average
- + Net Interest Margin 0.14% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 8.4% in tier
- - Membership Headwinds: Bottom 17.2% in tier
- - Member decline: -2.4% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,854
-2.4% YoY-0.7% QoQ
|
+10.2K |
15,628
-3.4% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Top 11.4% in tier |
| Assets |
$337.6M
+7.1% YoY+0.9% QoQ
|
+$106.3M |
$231.3M
-0.0% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$206.5M
+7.1% YoY+3.8% QoQ
|
+$58.7M |
$147.8M
-1.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$300.0M
+5.7% YoY+0.2% QoQ
|
+$99.7M |
$200.3M
-0.0% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
81% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.2%
+98.8% YoY+8.2% QoQ
|
+0.5% |
0.8%
+15.5% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.7%
+10.7% YoY+1.2% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
63.0%
-5.1% YoY-3.3% QoQ
|
-14.2% |
77.3%
-3.0% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
0.8%
-15.2% YoY+30.7% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
68.8%
+1.2% YoY+3.6% QoQ
|
-3.9% |
72.7%
-1.5% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
38% |
| AMR |
$19,589
+8.9% YoY+2.4% QoQ
|
$-5K |
$24,363
+2.9% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
34.9%
+7.6% YoY+3.6% QoQ
|
+10.5% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.8%
-18.8% YoY-5.0% QoQ
|
-3.2% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)