BlastPoint's Credit Union Scorecard

WIDGET

Charter #1117 · PA

1069 CUs in 100M-500M nationally 61 in PA

WIDGET has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 79.8% in tier
  • + ROA 0.05% above tier average
  • + Total Members: Top 0.3% in tier
  • + Total Deposits: Top 2.2% in tier
  • + Total Assets: Top 3.2% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 13.1% in tier
  • - Credit Risk Growth: Bottom 86.4% in tier
  • - Credit Quality Pressure: Bottom 100.0% in tier
  • - Efficiency ratio 2.45% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 3.5% in tier
  • - Average Member Relationship (AMR): Bottom 6.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.2% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 48,883
+2.0% YoY-0.2% QoQ
 +33.4K 15,437
-2.9% YoY
 17,996
+7.1% YoY
 33,374
+5.7% YoY
 Top 0.4% in tier
Assets $467.5M
+6.3% YoY+0.9% QoQ
 +$235.6M $231.9M
+1.3% YoY
 $296.9M
+12.6% YoY
 $561.6M
+9.7% YoY
 Top 3.3% in tier
Loans $265.6M
+6.3% YoY-0.2% QoQ
 +$118.2M $147.3M
-0.1% YoY
 $199.3M
+10.4% YoY
 $397.0M
+8.8% YoY
 Top 10.9% in tier
Deposits $415.7M
+5.5% YoY+0.9% QoQ
 +$214.9M $200.8M
+0.8% YoY
 $254.8M
+12.3% YoY
 $477.3M
+9.7% YoY
 Top 2.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.8%
+11.1% YoY-14.1% QoQ
 +0.1% 0.8%
+18.2% YoY
 0.6%
-8.3% YoY
 0.7%
+15.9% YoY
 55%
NIM 2.9%
+9.9% YoY+0.2% QoQ
 -0.7% 3.6%
+6.7% YoY
 3.5%
+3.8% YoY
 3.8%
+5.1% YoY
 15%
Efficiency Ratio 79.5%
+0.4% YoY+3.8% QoQ
 +2.4% 77.0%
-3.1% YoY
 76.7%
-2.4% YoY
 79.7%
-3.3% YoY
 58%
Delinquency Rate 0.4%
+0.1% YoY-4.9% QoQ
 -0.5 0.9%
+4.2% YoY
 1.3%
-10.1% YoY
 1.3%
-2.1% YoY
 27%
Loan To Share 63.9%
+0.7% YoY-1.1% QoQ
 -8.3% 72.2%
-1.1% YoY
 54.3%
-3.4% YoY
 67.4%
-1.7% YoY
 30%
AMR $13,938
+3.7% YoY+0.7% QoQ
 $-11K $24,676
+3.4% YoY
 $16,567
+4.7% YoY
 $19,687
+2.0% YoY
 Bottom 6.2% in tier
CD Concentration 20.7%
+7.5% YoY-5.4% QoQ
 -3.8% 24.4% 15.5% 19.8% 50%
Indirect Auto % 50.4%
+3.7% YoY-1.6% QoQ
 +36.6% 13.8% 8.1% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#475 of 595 • Top 79.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.01%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 0.82%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 50.40%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk
#67 of 506 • Bottom 13.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 6.33%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 50.40%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 2.01%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | Rank worsening

Credit Risk Growth

risk
#394 of 456 • Bottom 86.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.26%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.00% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk
#705 of 705 • Bottom 100.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.00% points
(Tier: 0.03% points, National: 0.06% points)
but better than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

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)

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

4
Total Members
engagement
Value: 48,883
Peer Median: -
#4 of 1069 Top 0.3% in 100M-500M tier
25
Total Deposits
balance_sheet
Value: $415.74M
Peer Median: -
#25 of 1069 Top 2.2% in 100M-500M tier
35
Total Assets
balance_sheet
Value: $467.48M
Peer Median: -
#35 of 1069 Top 3.2% in 100M-500M tier
116
Total Loans
balance_sheet
Value: $265.58M
Peer Median: -
#116 of 1069 Top 10.8% in 100M-500M tier
181
Members Per Employee (MPE)
engagement
Value: 410.782
Peer Median: -
#181 of 1069 Top 16.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1033
Indirect Auto Concentration (%)
balance_sheet
Value: 50.40%
Peer Median: -
#1033 of 1069 Bottom 3.5% in 100M-500M tier
1003
Average Member Relationship (AMR)
engagement
Value: $13,938
Peer Median: -
#1003 of 1069 Bottom 6.3% in 100M-500M tier
982
Loan-to-Member Ratio (LMR)
engagement
Value: $5,433
Peer Median: -
#982 of 1069 Bottom 8.2% in 100M-500M tier
908
Net Interest Margin (NIM)
profitability
Value: 2.91%
Peer Median: -
#908 of 1069 Bottom 15.2% in 100M-500M tier
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