BlastPoint's Credit Union Scorecard
OMEGA
Charter #3711 · PA
OMEGA has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.47% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 62.2% in tier
- - Membership Headwinds: Bottom 72.9% in tier
- - Institutional Decline: Bottom 92.5% in tier
- - ROA 0.01% below tier average
- - Efficiency ratio 0.97% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,290
-1.6% YoY-2.7% QoQ
|
-147 |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
59% |
| Assets |
$176.8M
+4.2% YoY-0.2% QoQ
|
$-55.0M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$123.7M
-0.7% YoY-0.2% QoQ
|
$-23.6M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$155.1M
+3.2% YoY-0.6% QoQ
|
$-45.7M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
0.7%
-8.2% YoY-2.4% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
4.1%
+1.0% YoY+0.8% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
78.0%
+2.2% YoY+0.7% QoQ
|
+1.0% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.7%
-8.0% YoY+1.6% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
79.8%
-3.8% YoY+0.4% QoQ
|
+7.6% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$18,237
+3.1% YoY+2.4% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
22.0%
+31.9% YoY+1.3% QoQ
|
-2.4% | 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 (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)