BlastPoint's Credit Union Scorecard

WIDGET

Charter #1117 · PA

100M-500M
1070 CUs in 100M-500M nationally 62 in PA

WIDGET has 4 strengths but faces 7 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

  • + Total Members: Top 0.3% in tier
  • + Total Deposits: Top 0.7% in tier
  • + Total Assets: Top 1.3% in tier
  • + Total Loans: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.17% below tier average
  • - Efficiency ratio 5.83% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 3.6% in tier
  • - Average Member Relationship (AMR): Bottom 7.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 49,171
+2.1% YoY+0.6% QoQ
 +34.0K 15,145
-2.5% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 Top 0.4% in tier
Assets $485.1M
+5.1% YoY+3.8% QoQ
 +$253.4M $231.7M
+0.8% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 Top 1.4% in tier
Loans $267.0M
+6.9% YoY+0.5% QoQ
 +$122.9M $144.1M
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 Top 9.9% in tier
Deposits $433.1M
+4.5% YoY+4.2% QoQ
 +$232.0M $201.1M
+0.4% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 Top 0.7% in tier

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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 0.6%
-34.8% YoY-31.7% QoQ
 -0.2% 0.7%
+5.1% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 40%
NIM 2.9%
+5.6% YoY+1.4% QoQ
 -0.7% 3.6%
+4.6% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 Bottom 13.8% in tier
Efficiency Ratio 83.8%
+7.9% YoY+5.5% QoQ
 +5.8% 78.0%
-1.7% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 68%
Delinquency Rate 0.4%
-14.6% YoY-4.2% QoQ
 -0.4 0.8%
+7.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 33%
Loan To Share 61.6%
+2.2% YoY-3.5% QoQ
 -8.8% 70.4%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 30%
AMR $14,239
+3.3% YoY+2.2% QoQ
 $-11K $24,918
+2.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 Bottom 6.9% in tier
CD Concentration 20.1%
+5.4% YoY-2.8% QoQ
 -4.2% 24.3% 15.4% 19.8% 50%
Indirect Auto % 51.0%
+2.3% YoY+1.2% QoQ
 +37.2% 13.8% 8.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#75 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 5.09%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 50.99%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.05%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Efficiency Drag

risk
#403 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.85%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.30% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 2.05%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 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 1070 peers in tier

Top Strengths (5 metrics)

4
Total Members
engagement
Value: 49,171
Peer Median: 13,200
#4 of 1070 Top 0.3% in 100M-500M tier
8
Total Deposits
balance_sheet
Value: $433.14M
Peer Median: $171.29M
#8 of 1070 Top 0.7% in 100M-500M tier
15
Total Assets
balance_sheet
Value: $485.10M
Peer Median: $196.57M
#15 of 1070 Top 1.3% in 100M-500M tier
106
Total Loans
balance_sheet
Value: $267.00M
Peer Median: $121.41M
#106 of 1070 Top 9.8% in 100M-500M tier
218
Members Per Employee (MPE)
engagement
Value: 399.764
Peer Median: 309.176
#218 of 1070 Top 20.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1033
Indirect Auto Concentration (%)
balance_sheet
Value: 50.99%
Peer Median: 6.61%
#1033 of 1070 Bottom 3.6% in 100M-500M tier
996
Average Member Relationship (AMR)
engagement
Value: $14,239
Peer Median: $22,931
#996 of 1070 Bottom 7.0% in 100M-500M tier
978
Loan-to-Member Ratio (LMR)
engagement
Value: $5,430
Peer Median: $9,356
#978 of 1070 Bottom 8.7% in 100M-500M tier
922
Net Interest Margin (NIM)
profitability
Value: 2.95%
Peer Median: 3.62%
#922 of 1070 Bottom 13.9% in 100M-500M tier
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