BlastPoint's Credit Union Scorecard
CHOICE ONE COMMUNITY
Charter #4240 · PA
CHOICE ONE COMMUNITY has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Net Interest Margin 0.34% above tier average
- + Share Certificate Concentration (%): Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 4.2% in tier
- - Credit Quality Pressure: Bottom 5.5% in tier
- - Membership Headwinds: Bottom 29.3% in tier
- - Institutional Decline: Bottom 38.5% in tier
- - Efficiency ratio 1.94% above tier (higher cost structure)
- - Delinquency rate 1.00% above tier average
- - Member decline: -4.4% YoY
- - Loan Growth Rate: Bottom 6.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,830
-4.4% YoY-0.7% QoQ
|
-4.6K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$126.9M
+2.4% YoY+1.5% QoQ
|
$-105.0M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$77.4M
-7.0% YoY-2.8% QoQ
|
$-69.9M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$115.5M
+0.6% YoY+1.3% QoQ
|
$-85.3M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.9%
+78.9% YoY-4.2% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.9%
+5.1% YoY+0.5% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
79.0%
-6.3% YoY+2.3% QoQ
|
+1.9% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.9%
+113.7% YoY+12.1% QoQ
|
+1.0 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 8.4% in tier |
| Loan To Share |
67.0%
-7.5% YoY-4.0% QoQ
|
-5.2% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
36% |
| AMR |
$17,813
+1.8% YoY+0.3% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
2.7%
-3.6% YoY+13.0% QoQ
|
-21.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
10.7%
-21.0% YoY-6.2% QoQ
|
-3.1% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)