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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

Total Members

engagement

Value: 49,171

Peer Median: 13,200

#4 of 1070 Top 0.3% in 100M-500M tier

Total Deposits

balance_sheet

Value: $433.14M

Peer Median: $171.29M

#8 of 1070 Top 0.7% in 100M-500M tier

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