BlastPoint's Credit Union Scorecard
WIDGET
Charter #1117 · PA
WIDGET has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.3% in tier
- + ROA 0.16% above tier average
- + Total Members: Top 0.2% in tier
- + Total Deposits: Top 2.5% in tier
- + Total Assets: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 2.0% in tier
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
- - Average Member Relationship (AMR): Bottom 5.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,973
+2.6% YoY+0.7% QoQ
|
+33.3K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 0.3% in tier |
| Assets |
$463.2M
+7.4% YoY+0.8% QoQ
|
+$231.9M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 3.7% in tier |
| Loans |
$266.1M
+7.7% YoY+3.3% QoQ
|
+$118.3M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Top 11.0% in tier |
| Deposits |
$411.9M
+6.6% YoY+0.4% QoQ
|
+$211.6M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 2.6% in tier |
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| ROA |
0.9%
+20.5% YoY+0.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
2.9%
+11.1% YoY+1.9% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
76.6%
-2.9% YoY-0.3% QoQ
|
-0.7% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.5%
-4.9% YoY+53.3% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
64.6%
+1.0% YoY+2.9% QoQ
|
-8.1% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$13,845
+4.3% YoY+0.8% QoQ
|
$-11K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.8% in tier |
| CD Concentration |
21.8%
+8.2% YoY+7.7% QoQ
|
-2.6% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
51.2%
+7.8% YoY+0.3% QoQ
|
+37.3% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)