BlastPoint's Credit Union Scorecard
C-B-W SCHOOLS
Charter #11374 · PA
100M-500M
1070 CUs in 100M-500M nationally
62 in PA
C-B-W SCHOOLS has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.50% above tier average
- + Net Worth Ratio: Top 0.3% in tier
- + Efficiency Ratio: Top 1.6% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -2.3% YoY
- - Total Loans: Bottom 0.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.6% in tier
- - Fee Income Per Member: Bottom 1.7% in tier
- - Loan-to-Share Ratio: Bottom 1.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,211
-2.3% YoY-0.7% QoQ
|
-7.9K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 13.1% in tier |
| Assets |
$130.7M
+8.7% YoY+2.5% QoQ
|
$-101.0M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$27.1M
-0.5% YoY-2.9% QoQ
|
$-117.1M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.8% in tier |
| Deposits |
$95.3M
+9.1% YoY+3.2% QoQ
|
$-105.8M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.3% in tier |
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| ROA |
1.2%
+26.7% YoY+16.3% QoQ
|
+0.5% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
2.3%
+6.3% YoY+5.4% QoQ
|
-1.4% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
48.7%
-15.0% YoY-9.3% QoQ
|
-29.3% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 1.6% in tier |
| Delinquency Rate |
0.3%
-12.8% YoY+1.7% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
21% |
| Loan To Share |
28.4%
-8.8% YoY-5.9% QoQ
|
-42.0% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.6% in tier |
| AMR |
$16,969
+9.4% YoY+2.6% QoQ
|
$-8K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
17% |
| CD Concentration |
28.7%
+14.7% YoY+2.9% QoQ
|
+4.5% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growth
#150 of 491 • Top 50.0% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
9.38%
(Tier:
3.74%, National:
6.36%)
491 of 1070 Mid-Small & Community CUs have this signature |
637 nationally
↑ Growing
+107 CUs YoY
|
Rank improving
Concerns (3)
Liquidity Overhang
risk
#3 of 126 • Bottom 50.0% in tier
Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
29.71%
(Tier:
11.91%, National:
14.35%)
Loan-to-Share Ratio:
28.38%
(Tier:
72.31%, National:
65.58%)
126 of 1070 Mid-Small & Community CUs have this signature |
143 nationally
↑ Growing
+19 CUs YoY
Membership Headwinds
decline
#318 of 570 • Bottom 50.0% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.33%
(Tier:
0.72%, National:
10.19%)
570 of 1070 Mid-Small & Community CUs have this signature |
676 nationally
→ No prior data (570 CUs now)
|
New qualifier
Stagnation Risk
risk
#367 of 570 • Bottom 50.0% in tier
Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-2.33%
(Tier:
0.72%, National:
10.19%)
Loan Growth (YoY):
-0.49%
(Tier:
4.14%, National:
1.74%)
Delinquency Rate:
0.29%
(Tier:
0.76%, National:
1.19%)
570 of 1070 Mid-Small & Community CUs have this signature |
676 nationally
→ No prior data (570 CUs now)
|
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 6.61%
#1 of 1070
Top 0.1% in 100M-500M tier
4
Net Worth Ratio
risk
Value:
29.71%
Peer Median: 11.45%
#4 of 1070
Top 0.3% in 100M-500M tier
18
Efficiency Ratio
profitability
Value:
48.75%
Peer Median: 78.68%
#18 of 1070
Top 1.6% in 100M-500M tier
22
Members Per Employee (MPE)
engagement
Value:
600.917
Peer Median: 309.176
#22 of 1070
Top 2.0% in 100M-500M tier
52
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.35%
#52 of 1070
Top 4.8% in 100M-500M tier
120
AMR Growth Rate
growth
Value:
9.38%
Peer Median: 3.46%
#120 of 1070
Top 11.1% in 100M-500M tier
132
Deposit Growth Rate
growth
Value:
9.11%
Peer Median: 3.30%
#132 of 1070
Top 12.2% in 100M-500M tier
149
Asset Growth Rate
growth
Value:
8.73%
Peer Median: 3.91%
#149 of 1070
Top 13.8% in 100M-500M tier
211
Return on Assets (ROA)
profitability
Value:
1.23%
Peer Median: 0.69%
#211 of 1070
Top 19.6% in 100M-500M tier
230
Total Delinquency Rate (60+ days)
risk
Value:
0.29%
Peer Median: 0.61%
#230 of 1070
Top 21.4% in 100M-500M tier
Top Weaknesses (11 metrics)
1061
Total Loans
balance_sheet
Value:
$27.05M
Peer Median: $121.41M
#1061 of 1070
Bottom 0.9% in 100M-500M tier
1054
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,751
Peer Median: $9,356
#1054 of 1070
Bottom 1.6% in 100M-500M tier
1053
Fee Income Per Member
profitability
Value:
$26.12
Peer Median: $154.95
#1053 of 1070
Bottom 1.7% in 100M-500M tier
1053
Loan-to-Share Ratio
balance_sheet
Value:
28.38%
Peer Median: 71.88%
#1053 of 1070
Bottom 1.7% in 100M-500M tier
1048
Net Interest Margin (NIM)
profitability
Value:
2.25%
Peer Median: 3.62%
#1048 of 1070
Bottom 2.1% in 100M-500M tier
992
Total Deposits
balance_sheet
Value:
$95.31M
Peer Median: $171.29M
#992 of 1070
Bottom 7.4% in 100M-500M tier
984
First Mortgage Concentration (%)
balance_sheet
Value:
56.69%
Peer Median: 29.47%
#984 of 1070
Bottom 8.1% in 100M-500M tier
930
Total Members
engagement
Value:
7,211
Peer Median: 13,200
#930 of 1070
Bottom 13.2% in 100M-500M tier
891
Average Member Relationship (AMR)
engagement
Value:
$16,969
Peer Median: $22,931
#891 of 1070
Bottom 16.8% in 100M-500M tier
854
Total Assets
balance_sheet
Value:
$130.69M
Peer Median: $196.57M
#854 of 1070
Bottom 20.3% in 100M-500M tier