BlastPoint's Credit Union Scorecard
GALAXY
Charter #4116 · PA
GALAXY has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,550
-1.8% YoY-0.2% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$70.5M
+7.0% YoY+2.3% QoQ
|
+$40.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 12.2% in tier |
| Loans |
$31.2M
+2.9% YoY+1.7% QoQ
|
+$15.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$58.0M
+7.6% YoY+3.0% QoQ
|
+$32.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 13.4% in tier |
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| ROA |
0.8%
+15.5% YoY-11.6% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.0%
+10.0% YoY-0.7% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
72.5%
+3.0% YoY+1.8% QoQ
|
-10.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.7%
-32.7% YoY+33.1% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
53.8%
-4.3% YoY-1.3% QoQ
|
-6.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$19,614
+7.9% YoY+2.8% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
77% |
| CD Concentration |
33.5%
+10.0% YoY+3.5% QoQ
|
+9.1% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
42.7%
-0.4% YoY-3.1% QoQ
|
+28.9% | 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)