BlastPoint's Credit Union Scorecard
UFCW COMMUNITY
Charter #10973 · PA
UFCW COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.08% above tier average
- + Net Interest Margin 0.26% above tier average
- + Efficiency Ratio: Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.40% above tier average
- - Member decline: -5.5% YoY
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 4.3% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Member Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,762
-5.5% YoY-1.3% QoQ
|
+324 |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
61% |
| Assets |
$170.9M
+4.1% YoY+1.4% QoQ
|
$-60.9M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$59.8M
-0.3% YoY-0.7% QoQ
|
$-87.6M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 9.9% in tier |
| Deposits |
$149.4M
+3.2% YoY+2.4% QoQ
|
$-51.4M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
1.8%
+12.5% YoY+6.8% QoQ
|
+1.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 3.5% in tier |
| NIM |
3.9%
-0.4% YoY+0.5% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
59.1%
+0.3% YoY-2.0% QoQ
|
-17.9% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 6.7% in tier |
| Delinquency Rate |
1.3%
-29.6% YoY+3.9% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
40.0%
-3.3% YoY-3.0% QoQ
|
-32.2% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$13,272
+8.1% YoY+2.8% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.7% in tier |
| CD Concentration |
14.0%
+10.8% YoY+4.7% QoQ
|
-10.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)