BlastPoint's Credit Union Scorecard

DOW BUCKS COUNTY

Charter #6150 · PA

<100M

2556 CUs in <100M nationally 190 in PA

DOW BUCKS COUNTY faces 3 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Delinquency rate 0.68% above tier average
- Fee Income Per Member: Bottom 4.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	987 -0.9% YoY-0.2% QoQ	-1.6K	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	28%
Assets	$13.6M -1.3% YoY-0.1% QoQ	$-16.5M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	39%
Loans	$8.1M +0.8% YoY-1.0% QoQ	$-7.6M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	45%
Deposits	$10.8M -2.3% YoY-0.3% QoQ	$-14.9M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	38%

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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	0.3% +7.9% QoQ	-0.3%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	30%
NIM	2.7% +54.1% YoY+3.5% QoQ	-1.3%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 11.1% in tier
Efficiency Ratio	80.4% -18.5% YoY-2.6% QoQ	-2.2%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	2.2% -12.6% YoY-0.8% QoQ	+0.7	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	80%
Loan To Share	75.5% +3.2% YoY-0.7% QoQ	+14.9%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	72%
AMR	$19,152 -0.1% YoY-0.4% QoQ	+$4K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	75%
CD Concentration	6.8% +13.5% YoY+1.5% QoQ	-17.6%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

423

Loan-to-Member Ratio (LMR)

engagement

Value: $8,238

Peer Median: -

#423 of 2556 Top 16.5% in <100M tier

520

Net Worth Ratio

risk

Value: 20.68%

Peer Median: -

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

635

Average Member Relationship (AMR)

engagement

Value: $19,152

Peer Median: -

#635 of 2556 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2443

Fee Income Per Member

profitability

Value: $0.17

Peer Median: -

#2443 of 2556 Bottom 4.5% in <100M tier

2273

Net Interest Margin (NIM)

profitability

Value: 2.68%

Peer Median: -

#2273 of 2556 Bottom 11.1% in <100M tier

2058

Total Delinquency Rate (60+ days)

risk

Value: 2.23%

Peer Median: -

#2058 of 2556 Bottom 19.5% in <100M tier

2026

First Mortgage Concentration (%)

balance_sheet

Value: 29.80%

Peer Median: -

#2026 of 2556 Bottom 20.8% in <100M tier