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BlastPoint's Credit Union Scorecard

UFCW COMMUNITY

Charter #10973 · PA

100M-500M
1024 CUs in 100M-500M nationally 62 in PA

UFCW COMMUNITY has 2 strengths but faces 8 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

  • + Wallet Share Momentum: Top 50.0% in tier
  • + ROA 0.65% above tier average

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Institutional Decline: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Delinquency rate 0.30% above tier average
  • - Member decline: -4.9% YoY
  • - Loan-to-Member Ratio (LMR): Bottom 1.5% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
  • Shares and deposits +6.7% year over year ($159M in shares and deposits).
  • Membership: 15,418 members, -4.9% vs a year ago.
  • Delinquency rate 1.18%.
  • Return on assets 1.51%.
  • Efficiency ratio 64.53% vs a 76.73% peer average.
  • Loan-to-share ratio 36.64% vs a 71.54% 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 15,418
-4.9% YoY-0.9% QoQ
 +249 15,168
-2.6% YoY
 18,280
+5.8% YoY
 34,678
+6.6% YoY
 60%
Assets $181.4M
+6.0% YoY+1.0% QoQ
 $-50.7M $232.0M
+0.7% YoY
 $308.6M
+9.9% YoY
 $593.1M
+10.2% YoY
 44%
Loans $58.2M
-4.8% YoY+0.6% QoQ
 $-88.0M $146.3M
+0.2% YoY
 $207.1M
+9.1% YoY
 $418.6M
+10.1% YoY
 Bottom 10.1% in tier
Deposits $158.9M
+6.7% YoY+1.7% QoQ
 $-41.8M $200.7M
+0.2% YoY
 $264.2M
+9.3% YoY
 $504.8M
+10.3% YoY
 45%

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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 1.5%
-12.7% YoY+2.1% QoQ
 +0.6% 0.9%
+12.5% YoY
 1.0%
+23.3% YoY
 1.2%
+121.4% YoY
 Top 12.3% in tier
NIM 3.6%
-5.2% YoY+2.0% QoQ
 -0.1% 3.7%
+4.5% YoY
 3.5%
+2.1% YoY
 3.8%
+2.3% YoY
 43%
Efficiency Ratio 64.5%
+8.8% YoY+0.1% QoQ
 -12.2% 76.7%
-0.8% YoY
 76.6%
-2.6% YoY
 83.0%
-5.3% YoY
 Top 14.7% in tier
Delinquency Rate 1.2%
-29.3% YoY-12.2% QoQ
 +0.3 0.9%
+6.6% YoY
 1.2%
-8.4% YoY
 1.3%
+2.6% YoY
 77%
Loan To Share 36.6%
-10.7% YoY-1.1% QoQ
 -34.9% 71.5%
-0.3% YoY
 53.4%
-2.0% YoY
 66.4%
-1.4% YoY
 Bottom 3.0% in tier
AMR $14,081
+8.6% YoY+2.4% QoQ
 $-11K $25,107
+3.2% YoY
 $16,967
+3.7% YoY
 $20,028
-0.9% YoY
 Bottom 5.9% in tier
CD Concentration 15.9%
+19.7% YoY+5.4% QoQ
 -8.7% 24.6% 15.6% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 8.4% 7.7% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#175 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 8.64%
(Tier: 3.97%, National: 35.20%)
better than tier avg
483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally
↑ Growing +52 CUs YoY | Rank improving

Concerns (5)

Stagnation Risk

risk
#44 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -4.89%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -4.75%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Rate: 1.18%
(Tier: 0.87%, National: 1.26%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline
#133 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.89%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline
#68 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $181.35M
(Tier: $336.17M, National: $593.11M)
worse than tier avg
Member Growth (YoY): -4.89%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -4.75%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally
↓ Shrinking -49 CUs YoY | Rank improving

Margin Compression

decline
#56 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.51%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 1.73%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk
#83 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 5.20% points
(Tier: -0.48% points, National: -3.74% points)
worse than tier avg
Efficiency Ratio (Prior Year): 59.33%
(Tier: 77.10%, National: 86.72%)
but better than tier avg
95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally
↑ Growing +30 CUs YoY | New qualifier

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)

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
126
Return on Assets (ROA)
profitability
Value: 1.51%
Peer Median: 0.75%
#126 of 1024 Top 12.2% in 100M-500M tier
135
AMR Growth Rate
growth
Value: 8.64%
Peer Median: 3.53%
#135 of 1024 Top 13.1% in 100M-500M tier
152
Efficiency Ratio
profitability
Value: 64.53%
Peer Median: 77.26%
#152 of 1024 Top 14.7% in 100M-500M tier
158
Net Worth Ratio
risk
Value: 15.35%
Peer Median: 11.71%
#158 of 1024 Top 15.3% in 100M-500M tier
236
Deposit Growth Rate
growth
Value: 6.66%
Peer Median: 3.58%
#236 of 1024 Top 22.9% in 100M-500M tier
248
Share Certificate Concentration (%)
balance_sheet
Value: 15.90%
Peer Median: 23.39%
#248 of 1024 Top 24.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1010
Loan-to-Member Ratio (LMR)
engagement
Value: $3,776
Peer Median: $9,434
#1010 of 1024 Bottom 1.5% in 100M-500M tier
993
Loan-to-Share Ratio
balance_sheet
Value: 36.64%
Peer Median: 73.07%
#993 of 1024 Bottom 3.1% in 100M-500M tier
964
Average Member Relationship (AMR)
engagement
Value: $14,081
Peer Median: $23,006
#964 of 1024 Bottom 6.0% in 100M-500M tier
921
Total Loans
balance_sheet
Value: $58.22M
Peer Median: $124.04M
#921 of 1024 Bottom 10.2% in 100M-500M tier
918
Member Growth Rate
growth
Value: -4.89%
Peer Median: -0.03%
#918 of 1024 Bottom 10.4% in 100M-500M tier
912
Loan Growth Rate
growth
Value: -4.75%
Peer Median: 3.02%
#912 of 1024 Bottom 11.0% in 100M-500M tier
870
Fee Income Per Member
profitability
Value: $98.56
Peer Median: $159.88
#870 of 1024 Bottom 15.1% in 100M-500M tier
785
Total Delinquency Rate (60+ days)
risk
Value: 1.18%
Peer Median: 0.71%
#785 of 1024 Bottom 23.4% in 100M-500M tier
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