BlastPoint's Credit Union Scorecard

PINPOINT

Charter #11242 · PA

<100M

2508 CUs in <100M nationally 186 in PA

PINPOINT has 2 strengths but faces 3 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

+ ROA 0.31% above tier average
+ Fee Income Per Member: Top 8.1% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 3.03% above tier average
- Net Worth Ratio: Bottom 4.5% in tier
- Total Delinquency Rate (60+ days): Bottom 6.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,951 +0.6% YoY+0.1% QoQ	+274	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	67%
Assets	$31.3M -5.9% YoY-2.9% QoQ	+$1.1M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	61%
Loans	$21.4M -2.5% YoY+0.0% QoQ	+$6.1M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	73%
Deposits	$28.8M -6.8% YoY-3.3% QoQ	+$3.0M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	63%

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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	0.5% -88.0% YoY-57.4% QoQ	+0.3%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	42%
NIM	3.7% +7.3% YoY-0.8% QoQ	-0.3%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	82.0% +47.2% YoY+9.5% QoQ	-8.6%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	4.5% +75.7% YoY+6.8% QoQ	+3.0	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Bottom 6.6% in tier
Loan To Share	74.3% +4.6% YoY+3.4% QoQ	+15.7%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	73%
AMR	$16,997 -5.6% YoY-2.0% QoQ	+$2K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	66%
CD Concentration	11.0% -11.3% YoY-6.5% QoQ	-13.2%	24.3%	15.4%	19.8%	50%
Indirect Auto %	4.5% -27.6% YoY-10.3% QoQ	-9.3%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (2 metrics)

205

Fee Income Per Member

profitability

Value: $167.53

Peer Median: $60.42

#205 of 2508 Top 8.1% in <100M tier

572

Loan-to-Member Ratio (LMR)

engagement

Value: $7,243

Peer Median: $4,923

#572 of 2508 Top 22.8% in <100M tier

Top Weaknesses (7 metrics)

2396

Net Worth Ratio

risk

Value: 7.87%

Peer Median: 14.28%

#2396 of 2508 Bottom 4.5% in <100M tier

2344

Total Delinquency Rate (60+ days)

risk

Value: 4.53%

Peer Median: 0.65%

#2344 of 2508 Bottom 6.6% in <100M tier

2232

Indirect Auto Concentration (%)

balance_sheet

Value: 4.47%

Peer Median: 0.00%

#2232 of 2508 Bottom 11.0% in <100M tier

2226

Asset Growth Rate

growth

Value: -5.91%

Peer Median: 1.30%

#2226 of 2508 Bottom 11.3% in <100M tier

2193

Deposit Growth Rate

growth

Value: -6.76%

Peer Median: 0.66%

#2193 of 2508 Bottom 12.6% in <100M tier

2166

First Mortgage Concentration (%)

balance_sheet

Value: 39.83%

Peer Median: 3.66%

#2166 of 2508 Bottom 13.7% in <100M tier

2129

AMR Growth Rate

growth

Value: -5.55%

Peer Median: 1.27%

#2129 of 2508 Bottom 15.2% in <100M tier