BlastPoint's Credit Union Scorecard
WHEATLAND
Charter #1658 · PA
WHEATLAND faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 4.57% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,994
-5.3% YoY-0.5% QoQ
|
+2.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 13.8% in tier |
| Assets |
$67.1M
-1.5% YoY-1.4% QoQ
|
+$37.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 14.0% in tier |
| Loans |
$38.9M
-11.6% YoY-0.6% QoQ
|
+$23.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 11.2% in tier |
| Deposits |
$61.1M
-2.2% YoY-1.6% QoQ
|
+$35.4M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 11.6% in tier |
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| ROA |
0.5%
+50.3% YoY-11.3% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
3.9%
+0.7% YoY+1.9% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
87.1%
+0.2% YoY+0.0% QoQ
|
+4.6% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
0.5%
-3.1% YoY+50.3% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
40% |
| Loan To Share |
63.6%
-9.7% YoY+1.0% QoQ
|
+3.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$20,030
-0.8% YoY-0.7% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
21.9%
+8.5% YoY+4.2% QoQ
|
-2.6% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
40.8%
-11.2% YoY-0.5% QoQ
|
+27.0% | 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)