BlastPoint's Credit Union Scorecard

PINPOINT

Charter #11242 · PA

2556 CUs in <100M nationally 190 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 0.45% above tier average
+ Fee Income Per Member: Top 2.5% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 2.69% above tier average
- Net Worth Ratio: Bottom 3.2% in tier
- Total Delinquency Rate (60+ days): Bottom 7.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,947 -0.3% YoY-0.1% QoQ	+331	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	66%
Assets	$32.2M -0.6% YoY+1.3% QoQ	+$2.0M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	62%
Loans	$21.4M -5.0% YoY-1.8% QoQ	+$5.6M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	72%
Deposits	$29.8M -2.0% YoY+1.2% QoQ	+$4.1M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	65%

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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	1.1% +310.0% YoY+15.2% QoQ	+0.5%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	68%
NIM	3.7% +11.4% YoY+2.3% QoQ	-0.3%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	42%
Efficiency Ratio	74.9% -18.6% YoY-0.2% QoQ	-7.6%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	38%
Delinquency Rate	4.2% +147.2% YoY+43.1% QoQ	+2.7	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Top 7.9% in tier
Loan To Share	71.8% -3.0% YoY-3.0% QoQ	+11.2%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	66%
AMR	$17,346 -3.0% YoY+0.1% QoQ	+$3K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	68%
CD Concentration	11.8% -5.8% YoY-12.9% QoQ	-12.6%	24.4%	15.5%	19.8%	50%
Indirect Auto %	5.0% -24.2% YoY-17.0% QoQ	-8.8%	13.8%	8.1%	7.8%	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 2556 peers in tier

Top Strengths (2 metrics)

Fee Income Per Member

profitability

Value: $272.56

Peer Median: -

#65 of 2556 Top 2.5% in <100M tier

595

Loan-to-Member Ratio (LMR)

engagement

Value: $7,250

Peer Median: -

#595 of 2556 Top 23.2% in <100M tier

Top Weaknesses (5 metrics)

2476

Net Worth Ratio

risk

Value: 7.58%

Peer Median: -

#2476 of 2556 Bottom 3.2% in <100M tier

2355

Total Delinquency Rate (60+ days)

risk

Value: 4.24%

Peer Median: -

#2355 of 2556 Bottom 7.9% in <100M tier

2269

Indirect Auto Concentration (%)

balance_sheet

Value: 4.99%

Peer Median: -

#2269 of 2556 Bottom 11.3% in <100M tier

2227

First Mortgage Concentration (%)

balance_sheet

Value: 40.46%

Peer Median: -

#2227 of 2556 Bottom 12.9% in <100M tier

1957

AMR Growth Rate

growth

Value: -2.98%

Peer Median: -

#1957 of 2556 Bottom 23.5% in <100M tier