BlastPoint's Credit Union Scorecard
SARCO
Charter #1669 · PA
SARCO demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.77% above tier average
- + Net Interest Margin 0.10% above tier average
- + Loan-to-Member Ratio (LMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
632
+1.1% YoY+0.3% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$9.1M
+6.1% YoY+4.8% QoQ
|
$-21.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$6.2M
+4.5% YoY+6.1% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$7.0M
+6.5% YoY+6.4% QoQ
|
$-18.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
1.4%
+12.4% YoY-9.9% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.1%
+6.9% YoY-5.3% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
67.3%
-2.2% YoY+2.7% QoQ
|
-15.3% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.9%
+6.0% YoY-9.9% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
57% |
| Loan To Share |
89.0%
-1.9% YoY-0.3% QoQ
|
+28.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 10.8% in tier |
| AMR |
$20,822
+4.4% YoY+5.9% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
82% |
| CD Concentration |
31.4%
+12.6% YoY-8.2% QoQ
|
+7.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)