BlastPoint's Credit Union Scorecard
SCA
Charter #444 · PA
SCA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.80% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,653
-3.4% YoY-0.8% QoQ
|
-962 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
44% |
| Assets |
$16.8M
+2.1% YoY+0.9% QoQ
|
$-13.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$7.3M
-9.8% YoY-5.3% QoQ
|
$-8.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$13.6M
+0.8% YoY+0.7% QoQ
|
$-12.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
43% |
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| ROA |
1.4%
-9.1% YoY+0.4% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
3.9%
-1.8% YoY-0.2% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
68.7%
+3.7% YoY+0.0% QoQ
|
-13.9% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.3%
-15.1% YoY+265.6% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
53.9%
-10.5% YoY-6.0% QoQ
|
-6.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$12,688
+0.2% YoY-0.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
44% |
| CD Concentration |
25.0%
-6.4% YoY-6.1% QoQ
|
+0.6% | 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)