BlastPoint's Credit Union Scorecard
PSE CREDIT UNION, INC.
Charter #96768 · OH
PSE CREDIT UNION, INC. has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.34% above tier average
- + Net Interest Margin 0.11% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -2.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,722
-2.0% YoY-0.5% QoQ
|
+10.3K |
15,437
-2.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 11.3% in tier |
| Assets |
$344.8M
+7.2% YoY+2.1% QoQ
|
+$112.9M |
$231.9M
+1.3% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$207.4M
+5.9% YoY+0.5% QoQ
|
+$60.1M |
$147.3M
-0.1% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$306.8M
+6.1% YoY+2.3% QoQ
|
+$106.0M |
$200.8M
+0.8% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.1%
+52.5% YoY-11.5% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.7%
+10.0% YoY-0.3% QoQ
|
+0.1% |
3.6%
+6.7% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
64.6%
-3.1% YoY+2.5% QoQ
|
-12.4% |
77.0%
-3.1% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.9%
-3.0% YoY+12.9% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
67.6%
-0.2% YoY-1.8% QoQ
|
-4.6% |
72.2%
-1.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$19,991
+8.3% YoY+2.1% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
35.0%
+6.9% YoY+0.3% QoQ
|
+10.6% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
9.8%
-17.0% YoY-8.9% QoQ
|
-4.0% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)