BlastPoint's Credit Union Scorecard

BETHLEHEM 1ST

Charter #716 · PA

2556 CUs in <100M nationally 190 in PA

BETHLEHEM 1ST has 3 strengths but faces 2 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

+ ROA 0.26% above tier average
+ Loan Growth Rate: Top 6.7% in tier
+ AMR Growth Rate: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.7% YoY
- Indirect Auto Concentration (%): Bottom 4.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	4,278 -3.7% YoY-1.4% QoQ	+1.7K	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	81%
Assets	$72.5M +6.9% YoY+3.4% QoQ	+$42.4M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	Top 11.3% in tier
Loans	$25.3M +13.7% YoY-2.1% QoQ	+$9.5M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	77%
Deposits	$63.7M +4.1% YoY+2.3% QoQ	+$38.0M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	Top 10.1% in tier

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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	0.9% -20.4% YoY-7.2% QoQ	+0.3%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	60%
NIM	3.4% +6.6% YoY-1.1% QoQ	-0.5%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	32%
Efficiency Ratio	63.4% -1.6% YoY+3.2% QoQ	-19.1%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	16%
Delinquency Rate	0.6% -34.1% YoY+2.1% QoQ	-1.0	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	43%
Loan To Share	39.8% +9.2% YoY-4.2% QoQ	-20.9%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	19%
AMR	$20,798 +10.8% YoY+2.4% QoQ	+$6K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	82%
CD Concentration	16.2% +35.3% YoY+12.8% QoQ	-8.2%	24.4%	15.5%	19.8%	50%
Indirect Auto %	24.0% +51.0% YoY-8.1% QoQ	+10.2%	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 (10 metrics)

172

Loan Growth Rate

growth

Value: 13.67%

Peer Median: -

#172 of 2556 Top 6.7% in <100M tier

220

AMR Growth Rate

growth

Value: 10.79%

Peer Median: -

#220 of 2556 Top 8.6% in <100M tier

259

Total Deposits

balance_sheet

Value: $63.66M

Peer Median: -

#259 of 2556 Top 10.1% in <100M tier

289

Total Assets

balance_sheet

Value: $72.50M

Peer Median: -

#289 of 2556 Top 11.3% in <100M tier

399

Efficiency Ratio

profitability

Value: 63.41%

Peer Median: -

#399 of 2556 Top 15.6% in <100M tier

441

Members Per Employee (MPE)

engagement

Value: 475.333

Peer Median: -

#441 of 2556 Top 17.2% in <100M tier

447

Asset Growth Rate

growth

Value: 6.89%

Peer Median: -

#447 of 2556 Top 17.4% in <100M tier

474

Average Member Relationship (AMR)

engagement

Value: $20,798

Peer Median: -

#474 of 2556 Top 18.5% in <100M tier

490

Total Members

engagement

Value: 4,278

Peer Median: -

#490 of 2556 Top 19.1% in <100M tier

582

Total Loans

balance_sheet

Value: $25.31M

Peer Median: -

#582 of 2556 Top 22.7% in <100M tier

Top Weaknesses (2 metrics)

2432

Indirect Auto Concentration (%)

balance_sheet

Value: 24.03%

Peer Median: -

#2432 of 2556 Bottom 4.9% in <100M tier

2065

Loan-to-Share Ratio

balance_sheet

Value: 39.76%

Peer Median: -

#2065 of 2556 Bottom 19.2% in <100M tier