BlastPoint's Credit Union Scorecard
FRANKLIN JOHNSTOWN
Charter #6723 · PA
FRANKLIN JOHNSTOWN has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,003
-3.6% YoY-0.7% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$36.5M
+0.3% YoY-0.2% QoQ
|
+$6.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$11.3M
-2.4% YoY-2.5% QoQ
|
$-4.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$31.9M
-1.8% YoY-0.6% QoQ
|
+$6.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.8%
+2.8% YoY-5.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.7%
-0.7% YoY-0.6% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
76.8%
+3.8% YoY+3.3% QoQ
|
-5.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
43% |
| Delinquency Rate |
0.1%
-57.9% YoY-70.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
35.5%
-0.6% YoY-1.9% QoQ
|
-25.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
15% |
| AMR |
$10,812
+1.7% YoY-0.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
2.5%
-11.8% YoY-4.2% QoQ
|
-22.0% | 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)