BlastPoint's Credit Union Scorecard

INSPIRE

Charter #1759 · PA

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

INSPIRE has 7 strengths but faces 8 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 Leader: Top 9.9% in tier
+ Organic Growth Engine: Top 34.7% in tier
+ Strong member growth: 7.9% YoY
+ Member Growth Rate: Top 4.6% in tier
+ Loan-to-Share Ratio: Top 7.0% in tier
+ Loan-to-Member Ratio (LMR): Top 8.5% in tier
+ Total Loans: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 15.9% in tier
- Wealth Migration Risk: Bottom 36.8% in tier
- Credit Quality Pressure: Bottom 52.7% in tier
- Liquidity Strain: Bottom 73.1% in tier
- Efficiency Drag: Bottom 91.1% in tier
- ROA 0.18% below tier average
- Efficiency ratio 4.75% above tier (higher cost structure)
- AMR Growth Rate: Bottom 2.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	17,870 +7.9% YoY+1.6% QoQ	+2.4K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	68%
Assets	$405.1M +9.0% YoY+8.1% QoQ	+$173.2M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	Top 10.5% in tier
Loans	$282.5M -2.1% YoY+3.6% QoQ	+$135.2M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Top 8.7% in tier
Deposits	$296.9M +3.6% YoY+3.1% QoQ	+$96.1M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	81%

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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	0.6% +44.5% YoY-9.6% QoQ	-0.2%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	38%
NIM	3.0% +4.9% YoY-0.1% QoQ	-0.6%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	18%
Efficiency Ratio	81.8% -1.6% YoY-0.8% QoQ	+4.7%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	67%
Delinquency Rate	0.6% +51.5% YoY-8.3% QoQ	-0.3	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	40%
Loan To Share	95.2% -5.5% YoY+0.5% QoQ	+22.9%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Top 7.1% in tier
AMR	$32,424 -6.6% YoY+1.7% QoQ	+$8K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	Top 13.0% in tier
CD Concentration	24.5% -12.3% YoY-4.4% QoQ	+0.1%	24.4%	15.5%	19.8%	50%
Indirect Auto %	7.4% -45.7% YoY+14.8% QoQ	-6.4%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#43 of 426 • Top 9.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.87%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 7.43%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#207 of 595 • Top 34.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.87%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.59%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 7.43%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#34 of 208 • Bottom 15.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.62%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Wealth Migration Risk

decline

#8 of 20 • Bottom 36.8% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $32.4K

(Tier: $25.3K, National: $19.7K)

but better than tier avg

AMR Growth (YoY): -6.62%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

20 of 1069 Mid-Small & Community CUs have this signature | 34 nationally

→ No prior data (20 CUs now) | New qualifier

Credit Quality Pressure

risk

#372 of 705 • Bottom 52.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Strain

risk

#167 of 228 • Bottom 73.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.16%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.11%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Efficiency Drag

risk

#490 of 538 • Bottom 91.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.76%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 7.87%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 7.87%

Peer Median: -

#50 of 1069 Top 4.6% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.16%

Peer Median: -

#76 of 1069 Top 7.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,810

Peer Median: -

#92 of 1069 Top 8.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $282.53M

Peer Median: -

#93 of 1069 Top 8.6% in 100M-500M tier

112

Total Assets

balance_sheet

Value: $405.07M

Peer Median: -

#112 of 1069 Top 10.4% in 100M-500M tier

139

Average Member Relationship (AMR)

engagement

Value: $32,424

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

146

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: -

#146 of 1069 Top 13.6% in 100M-500M tier

192

Asset Growth Rate

growth

Value: 8.97%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

206

Total Deposits

balance_sheet

Value: $296.89M

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

Top Weaknesses (3 metrics)

1042

AMR Growth Rate

growth

Value: -6.62%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

878

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Median: -

#878 of 1069 Bottom 18.0% in 100M-500M tier

827

Loan Growth Rate

growth

Value: -2.11%

Peer Median: -

#827 of 1069 Bottom 22.7% in 100M-500M tier