BlastPoint's Credit Union Scorecard
ALLENTOWN
Charter #10015 · PA
ALLENTOWN has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Charge-Off Rate: Top 1.8% in tier
- + Net Worth Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Member decline: -3.6% YoY
- - First Mortgage Concentration (%): Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,963
-3.6% YoY-0.7% QoQ
|
-8.2K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$126.2M
+2.7% YoY+1.6% QoQ
|
$-105.5M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$71.7M
+0.3% YoY-0.3% QoQ
|
$-72.4M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$105.4M
+1.6% YoY+1.5% QoQ
|
$-95.7M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 14.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+9.9% YoY+2.8% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
83% |
| NIM |
3.1%
-0.4% YoY-2.4% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
22% |
| Efficiency Ratio |
64.0%
-1.6% YoY-1.1% QoQ
|
-14.0% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 13.4% in tier |
| Delinquency Rate |
0.7%
-31.8% YoY-42.1% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
57% |
| Loan To Share |
68.0%
-1.2% YoY-1.7% QoQ
|
-2.4% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$25,434
+4.9% YoY+1.5% QoQ
|
+$516 |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)