BlastPoint's Credit Union Scorecard

WABELLCO

Charter #10047 · PA

<100M

2508 CUs in <100M nationally 186 in PA

WABELLCO has 1 strength 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 0.46% above tier average

Key Concerns

Areas that may need attention

- Member decline: -7.0% YoY
- Loan Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,084 -7.0% YoY-2.3% QoQ	-1.6K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	31%
Assets	$12.4M +2.3% YoY+3.4% QoQ	$-17.7M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	36%
Loans	$3.3M -17.2% YoY-10.1% QoQ	$-12.0M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	26%
Deposits	$11.3M +1.7% YoY+3.6% QoQ	$-14.5M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	39%

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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	0.6% -216.7% YoY+23.5% QoQ	+0.5%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	50%
NIM	3.1% +32.4% YoY+12.7% QoQ	-0.9%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	85.9% -26.6% YoY-4.0% QoQ	-4.7%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	0.2% +11.3% QoQ	-1.3	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	30%
Loan To Share	29.0% -18.6% YoY-13.2% QoQ	-29.6%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 10.5% in tier
AMR	$13,439 +4.0% YoY+2.5% QoQ	$-1K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	47%
CD Concentration	0.0% -100.0% YoY	-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)

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

411

Fee Income Per Member

profitability

Value: $131.77

Peer Median: $60.42

#411 of 2508 Top 16.3% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (7 metrics)

2279

Loan Growth Rate

growth

Value: -17.15%

Peer Median: -2.36%

#2279 of 2508 Bottom 9.2% in <100M tier

2242

Member Growth Rate

growth

Value: -6.95%

Peer Median: -1.37%

#2242 of 2508 Bottom 10.6% in <100M tier

2242

Loan-to-Share Ratio

balance_sheet

Value: 28.95%

Peer Median: 58.72%

#2242 of 2508 Bottom 10.6% in <100M tier

2211

Net Worth Ratio

risk

Value: 9.23%

Peer Median: 14.28%

#2211 of 2508 Bottom 11.9% in <100M tier

2188

First Mortgage Concentration (%)

balance_sheet

Value: 41.00%

Peer Median: 3.66%

#2188 of 2508 Bottom 12.8% in <100M tier

1942

Net Interest Margin (NIM)

profitability

Value: 3.15%

Peer Median: 3.83%

#1942 of 2508 Bottom 22.6% in <100M tier

1887

Loan-to-Member Ratio (LMR)

engagement

Value: $3,017

Peer Median: $4,923

#1887 of 2508 Bottom 24.8% in <100M tier