BlastPoint's Credit Union Scorecard
FRIENDLY
Charter #10184 · PA
2596 CUs in <100M nationally
198 in PA
FRIENDLY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Delinquency rate 2.76% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,743
+1.5% YoY+4.4% QoQ
|
+2.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$68.8M
+5.4% YoY+0.9% QoQ
|
+$38.9M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 12.9% in tier |
| Loans |
$26.0M
-4.8% YoY+1.6% QoQ
|
+$10.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$57.3M
+6.0% YoY+1.0% QoQ
|
+$31.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 13.5% in tier |
| ROA |
0.4%
+1.3% YoY+34.2% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
2.7%
+4.9% YoY+1.6% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
72.3%
-0.7% YoY-4.4% QoQ
|
-9.1% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
4.3%
+2.1% YoY+11.3% QoQ
|
+2.8 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 7.6% in tier |
| Loan To Share |
45.4%
-10.2% YoY+0.6% QoQ
|
-15.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$17,557
+0.9% YoY-3.1% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
70% |
| CD Concentration |
13.9%
+46.9% YoY+1.0% QoQ
|
-10.5% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
334
Total Assets
balance_sheet
Value:
$68.77M
Peer Avg: $29.86M
#334 of 2596
Top 12.8% in <100M tier
350
Total Deposits
balance_sheet
Value:
$57.25M
Peer Avg: $25.45M
#350 of 2596
Top 13.4% in <100M tier
412
Total Members
engagement
Value:
4,743
Peer Avg: 2,626
#412 of 2596
Top 15.8% in <100M tier
506
Deposit Growth Rate
growth
Value:
6.00%
Peer Avg: 16.80%
#506 of 2596
Top 19.5% in <100M tier
520
Member Growth Rate
growth
Value:
1.48%
Peer Avg: 14.92%
#520 of 2596
Top 20.0% in <100M tier
570
Total Loans
balance_sheet
Value:
$26.02M
Peer Avg: $15.77M
#570 of 2596
Top 21.9% in <100M tier
606
Members Per Employee (MPE)
engagement
Value:
431.182
Peer Avg: 365.701
#606 of 2596
Top 23.3% in <100M tier
615
Asset Growth Rate
growth
Value:
5.38%
Peer Avg: 1.82%
#615 of 2596
Top 23.7% in <100M tier
Top Weaknesses (3 metrics)
2399
Total Delinquency Rate (60+ days)
risk
Value:
4.27%
Peer Avg: 1.51%
#2399 of 2596
Bottom 7.6% in <100M tier
2318
Net Interest Margin (NIM)
profitability
Value:
2.70%
Peer Avg: 3.93%
#2318 of 2596
Bottom 10.7% in <100M tier
2243
First Mortgage Concentration (%)
balance_sheet
Value:
38.55%
Peer Avg: 14.49%
#2243 of 2596
Bottom 13.6% in <100M tier