BlastPoint's Credit Union Scorecard
TRI COUNTY AREA
Charter #6269 · PA
TRI COUNTY AREA has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 73.4% in tier
- + Organic Growth Leader: Top 95.8% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.61% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 63.9% in tier
- - Credit Quality Pressure: Bottom 72.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,706
+0.6% YoY+0.3% QoQ
|
-2.7K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$201.6M
+6.3% YoY+0.1% QoQ
|
$-30.2M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$111.1M
+0.3% YoY-0.6% QoQ
|
$-36.3M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
43% |
| Deposits |
$179.6M
+5.0% YoY-0.3% QoQ
|
$-21.2M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
1.1%
-14.8% YoY+1.6% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
4.2%
+2.4% YoY+1.4% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
75.7%
+0.7% YoY+0.2% QoQ
|
-1.3% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.3%
+61.7% YoY+140.2% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.2% in tier |
| Loan To Share |
61.9%
-4.4% YoY-0.3% QoQ
|
-10.4% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
27% |
| AMR |
$22,873
+2.5% YoY-0.7% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
17.2%
+7.7% YoY+0.4% QoQ
|
-7.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
2.6%
-12.4% YoY-3.3% QoQ
|
-11.2% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)