BlastPoint's Credit Union Scorecard
FRIENDLY
Charter #10184 · PA
FRIENDLY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Delinquency rate 3.12% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +1.2% year over year ($57.4M in shares and deposits).
- Membership: 4,520 members, -0.5% vs a year ago.
- Delinquency rate 4.66%.
- Return on assets 0.78%.
- Efficiency ratio 66.44% vs a 88.77% peer average.
- Loan-to-share ratio 50.45% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,520
-0.5% YoY+1.1% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$69.1M
+1.5% YoY+1.3% QoQ
|
+$38.9M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 13.0% in tier |
| Loans |
$28.9M
+13.0% YoY+10.3% QoQ
|
+$13.5M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$57.4M
+1.2% YoY+1.3% QoQ
|
+$31.6M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Top 13.9% in tier |
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| ROA |
0.8%
+133.1% YoY+1.3% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.2%
+21.7% YoY+7.3% QoQ
|
-0.7% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
24% |
| Efficiency Ratio |
66.4%
-12.2% YoY-5.7% QoQ
|
-22.3% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
4.7%
+21.5% YoY+88.1% QoQ
|
+3.1 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
50.4%
+11.7% YoY+8.9% QoQ
|
-8.4% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$19,099
+5.4% YoY+3.0% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
10.9%
-20.6% YoY-1.1% QoQ
|
-13.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)