BlastPoint's Credit Union Scorecard
TRI STATE RAIL
Charter #6070 · PA
TRI STATE RAIL has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.25% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.4% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,224
-5.4% YoY-0.6% QoQ
|
-391 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$20.0M
-3.2% YoY-1.2% QoQ
|
$-10.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$6.3M
-11.6% YoY-4.7% QoQ
|
$-9.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$16.0M
-4.9% YoY-1.6% QoQ
|
$-9.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.9%
+27.5% YoY+0.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
3.6%
+12.9% YoY+1.7% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
75.1%
-3.5% YoY+0.9% QoQ
|
-7.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.6%
-67.3% YoY-52.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
39.4%
-7.0% YoY-3.2% QoQ
|
-21.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$10,047
-1.6% YoY-1.9% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
29% |
| CD Concentration |
2.2%
+27.7% YoY+9.8% QoQ
|
-22.2% | 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)