BlastPoint's Credit Union Scorecard
SOUTHWEST COMMUNITIES
Charter #3278 · PA
SOUTHWEST COMMUNITIES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 2.88% above tier (higher cost structure)
- - Member decline: -2.8% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,865
-2.8% YoY-0.7% QoQ
|
-750 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$18.9M
+2.1% YoY+3.0% QoQ
|
$-11.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$6.2M
-7.6% YoY-2.0% QoQ
|
$-9.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$17.0M
+1.9% YoY+3.4% QoQ
|
$-8.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.5%
-27.7% YoY-23.1% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.9%
-1.9% YoY-0.1% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
48% |
| Efficiency Ratio |
85.4%
+7.1% YoY+1.2% QoQ
|
+2.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.7%
-28.0% YoY+842.9% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
36.6%
-9.3% YoY-5.3% QoQ
|
-24.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$12,446
+2.0% YoY+2.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
5.8%
-3.8% YoY-4.5% QoQ
|
-18.6% | 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)