BlastPoint's Credit Union Scorecard

STANWOOD AREA

Charter #4088 · PA

<100M

2556 CUs in <100M nationally 190 in PA

STANWOOD AREA has 1 strength but faces 3 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

+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- ROA 0.27% below tier average
- Efficiency ratio 0.21% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,255 +1.8% YoY+0.4% QoQ	-360	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	56%
Assets	$18.2M +2.0% YoY-2.6% QoQ	$-12.0M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	46%
Loans	$10.5M -1.1% YoY+1.1% QoQ	$-5.3M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	52%
Deposits	$16.2M +1.6% YoY-3.0% QoQ	$-9.5M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	47%

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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	0.4% -5.3% YoY-13.3% QoQ	-0.3%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	33%
NIM	4.0% +5.4% YoY+3.8% QoQ	+0.1%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	55%
Efficiency Ratio	82.8% +3.1% YoY+1.6% QoQ	+0.2%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	58%
Delinquency Rate	1.6% -13.1% YoY+1.1% QoQ	+0.0	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	73%
Loan To Share	64.8% -2.7% YoY+4.2% QoQ	+4.2%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	56%
AMR	$11,845 -1.2% YoY-1.8% QoQ	$-3K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	38%
CD Concentration	16.1% +189.5% YoY+32.0% QoQ	-8.4%	24.4%	15.5%	19.8%	50%
Indirect Auto %	46.1% +15.0% YoY+3.3% QoQ	+32.4%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (2 metrics)

460

Member Growth Rate

growth

Value: 1.76%

Peer Median: -

#460 of 2556 Top 18.0% in <100M tier

521

Members Per Employee (MPE)

engagement

Value: 451.000

Peer Median: -

#521 of 2556 Top 20.3% in <100M tier

Top Weaknesses (2 metrics)

2507

Indirect Auto Concentration (%)

balance_sheet

Value: 46.15%

Peer Median: -

#2507 of 2556 Bottom 2.0% in <100M tier

2031

Net Worth Ratio

risk

Value: 10.54%

Peer Median: -

#2031 of 2556 Bottom 20.6% in <100M tier