BlastPoint's Credit Union Scorecard

THE ONE

Charter #6187 · PA

1069 CUs in 100M-500M nationally 61 in PA

THE ONE has 3 strengths but faces 9 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 17.0% in tier
+ Net Interest Margin 0.30% above tier average
+ AMR Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 1.8% in tier
- Credit Risk Growth: Bottom 29.0% in tier
- Credit Quality Pressure: Bottom 59.8% in tier
- Efficiency Drag: Bottom 60.1% in tier
- Membership Headwinds: Bottom 79.0% in tier
- Stagnation Risk: Bottom 93.3% in tier
- ROA 0.14% below tier average
- Efficiency ratio 5.60% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	12,090 -1.3% YoY-0.2% QoQ	-3.3K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	43%
Assets	$129.7M +9.9% YoY+0.6% QoQ	$-102.1M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	20%
Loans	$100.6M +11.0% YoY+1.5% QoQ	$-46.8M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	35%
Deposits	$116.4M +10.1% YoY+0.6% QoQ	$-84.4M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	22%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -29.3% YoY-6.9% QoQ	-0.1%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	40%
NIM	3.9% -1.2% YoY+0.5% QoQ	+0.3%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	68%
Efficiency Ratio	82.6% +5.0% YoY+1.7% QoQ	+5.6%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	70%
Delinquency Rate	0.7% +28.8% YoY+107.3% QoQ	-0.2	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	48%
Loan To Share	86.4% +0.8% YoY+0.9% QoQ	+14.1%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	77%
AMR	$17,948 +12.0% YoY+1.2% QoQ	$-7K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	21%
CD Concentration	29.4% -13.0% YoY-9.7% QoQ	+5.0%	24.4%	15.5%	19.8%	50%
Indirect Auto %	41.1% +0.1% YoY-2.0% QoQ	+27.4%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#88 of 513 • Top 17.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.02%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (6)

Indirect Auto Dependency

risk

#10 of 506 • Bottom 1.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.93%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 41.14%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Risk Growth

risk

#133 of 456 • Bottom 29.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.03%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#422 of 705 • Bottom 59.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Efficiency Drag

risk

#324 of 538 • Bottom 60.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.62%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -1.33%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | New qualifier

Membership Headwinds

decline

#438 of 554 • Bottom 79.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#517 of 554 • Bottom 93.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.33%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 11.03%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.68%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 12.02%

Peer Median: -

#67 of 1069 Top 6.2% in 100M-500M tier

130

Deposit Growth Rate

growth

Value: 10.10%

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

142

Loan Growth Rate

growth

Value: 11.03%

Peer Median: -

#142 of 1069 Top 13.2% in 100M-500M tier

147

Asset Growth Rate

growth

Value: 9.93%

Peer Median: -

#147 of 1069 Top 13.7% in 100M-500M tier

229

First Mortgage Concentration (%)

balance_sheet

Value: 15.34%

Peer Median: -

#229 of 1069 Top 21.3% in 100M-500M tier

245

Loan-to-Share Ratio

balance_sheet

Value: 86.37%

Peer Median: -

#245 of 1069 Top 22.8% in 100M-500M tier

Top Weaknesses (5 metrics)

990

Indirect Auto Concentration (%)

balance_sheet

Value: 41.14%

Peer Median: -

#990 of 1069 Bottom 7.5% in 100M-500M tier

936

Net Worth Ratio

risk

Value: 8.92%

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

856

Total Assets

balance_sheet

Value: $129.74M

Peer Median: -

#856 of 1069 Bottom 20.0% in 100M-500M tier

841

Average Member Relationship (AMR)

engagement

Value: $17,948

Peer Median: -

#841 of 1069 Bottom 21.4% in 100M-500M tier

832

Total Deposits

balance_sheet

Value: $116.43M

Peer Median: -

#832 of 1069 Bottom 22.3% in 100M-500M tier