BlastPoint's Credit Union Scorecard
C-B-W SCHOOLS
Charter #11374 · PA
1069 CUs in 100M-500M nationally
61 in PA
C-B-W SCHOOLS has 10 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 21.5% in tier
- + ROA 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.3% in tier
- + Members Per Employee (MPE): Top 2.1% in tier
- + Efficiency Ratio: Top 3.0% in tier
- + Net Charge-Off Rate: Top 3.2% in tier
- + AMR Growth Rate: Top 8.2% in tier
- + Deposit Growth Rate: Top 8.7% in tier
- + Asset Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.5% in tier
- - Credit Quality Pressure: Bottom 39.6% in tier
- - Membership Headwinds: Bottom 58.2% in tier
- - Credit Risk Growth: Bottom 73.8% in tier
- - Stagnation Risk: Bottom 79.0% in tier
- - Member decline: -2.2% YoY
- - Fee Income Per Member: Bottom 0.9% in tier
- - Total Loans: Bottom 0.9% in tier
- - Loan-to-Share Ratio: Bottom 1.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 2.5% in tier
- - Total Deposits: Bottom 4.9% in tier
- - First Mortgage Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,264
-2.2% YoY-0.8% QoQ
|
-8.2K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 12.6% in tier |
| Assets |
$127.6M
+11.1% YoY+2.1% QoQ
|
$-104.3M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$27.9M
+1.7% YoY+0.3% QoQ
|
$-119.5M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.8% in tier |
| Deposits |
$92.3M
+11.0% YoY+2.1% QoQ
|
$-108.5M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.8% in tier |
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| ROA |
1.1%
+18.2% YoY+2.5% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
71% |
| NIM |
2.1%
+6.1% YoY+1.0% QoQ
|
-1.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio |
53.7%
-8.4% YoY-1.4% QoQ
|
-23.3% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.3%
+1392.5% YoY-1.4% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
30.2%
-8.4% YoY-1.8% QoQ
|
-42.1% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.4% in tier |
| AMR |
$16,545
+11.2% YoY+2.5% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 15.0% in tier |
| CD Concentration |
27.9%
+20.5% YoY+4.5% QoQ
|
+3.5% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growth
#111 of 513 • Top 21.5% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
11.22%
(Tier:
4.17%, National:
4.00%)
513 of 1069 Mid-Small & Community CUs have this signature |
662 nationally
↑ Growing
+180 CUs YoY
|
Rank improving
Concerns (5)
Liquidity Overhang
risk
#3 of 135 • Bottom 1.5% in tier
Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
30.12%
(Tier:
11.97%, National:
14.49%)
Loan-to-Share Ratio:
30.18%
(Tier:
74.08%, National:
67.44%)
135 of 1069 Mid-Small & Community CUs have this signature |
155 nationally
↑ Growing
+17 CUs YoY
Credit Quality Pressure
risk
#280 of 705 • Bottom 39.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.27% points
(Tier:
0.03% points, National:
0.06% points)
705 of 1069 Mid-Small & Community CUs have this signature |
969 nationally
↓ Shrinking
-150 CUs YoY
|
New qualifier
Membership Headwinds
decline
#323 of 554 • Bottom 58.2% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.25%
(Tier:
0.69%, National:
4.32%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 CUs now)
|
New qualifier
Credit Risk Growth
risk
#337 of 456 • Bottom 73.8% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
1.69%
(Tier:
4.11%, National:
111.96%)
Delinquency Change (YoY):
0.27% points
(Tier:
0.03% points, National:
0.06% points)
456 of 1069 Mid-Small & Community CUs have this signature |
665 nationally
→ No prior data (456 CUs now)
|
New qualifier
Stagnation Risk
risk
#438 of 554 • Bottom 79.0% 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):
-2.25%
(Tier:
0.69%, National:
4.32%)
Loan Growth (YoY):
1.69%
(Tier:
4.11%, National:
111.96%)
Delinquency Rate:
0.29%
(Tier:
0.89%, National:
1.28%)
554 of 1069 Mid-Small & Community CUs have this signature |
652 nationally
→ No prior data (554 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
4
Net Worth Ratio
risk
Value:
30.12%
Peer Median: -
#4 of 1069
Top 0.3% in 100M-500M tier
23
Members Per Employee (MPE)
engagement
Value:
605.333
Peer Median: -
#23 of 1069
Top 2.1% in 100M-500M tier
33
Efficiency Ratio
profitability
Value:
53.73%
Peer Median: -
#33 of 1069
Top 3.0% in 100M-500M tier
35
Net Charge-Off Rate
risk
Value:
0.02%
Peer Median: -
#35 of 1069
Top 3.2% in 100M-500M tier
89
AMR Growth Rate
growth
Value:
11.22%
Peer Median: -
#89 of 1069
Top 8.2% in 100M-500M tier
94
Deposit Growth Rate
growth
Value:
11.03%
Peer Median: -
#94 of 1069
Top 8.7% in 100M-500M tier
98
Asset Growth Rate
growth
Value:
11.10%
Peer Median: -
#98 of 1069
Top 9.1% in 100M-500M tier
162
Total Delinquency Rate (60+ days)
risk
Value:
0.29%
Peer Median: -
#162 of 1069
Top 15.1% in 100M-500M tier
Top Weaknesses (11 metrics)
1060
Fee Income Per Member
profitability
Value:
$25.22
Peer Median: -
#1060 of 1069
Bottom 0.9% in 100M-500M tier
1060
Total Loans
balance_sheet
Value:
$27.86M
Peer Median: -
#1060 of 1069
Bottom 0.9% in 100M-500M tier
1054
Loan-to-Share Ratio
balance_sheet
Value:
30.18%
Peer Median: -
#1054 of 1069
Bottom 1.5% in 100M-500M tier
1054
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,835
Peer Median: -
#1054 of 1069
Bottom 1.5% in 100M-500M tier
1043
Net Interest Margin (NIM)
profitability
Value:
2.14%
Peer Median: -
#1043 of 1069
Bottom 2.5% in 100M-500M tier
1018
Total Deposits
balance_sheet
Value:
$92.32M
Peer Median: -
#1018 of 1069
Bottom 4.9% in 100M-500M tier
978
First Mortgage Concentration (%)
balance_sheet
Value:
55.64%
Peer Median: -
#978 of 1069
Bottom 8.6% in 100M-500M tier
934
Total Members
engagement
Value:
7,264
Peer Median: -
#934 of 1069
Bottom 12.7% in 100M-500M tier
909
Average Member Relationship (AMR)
engagement
Value:
$16,545
Peer Median: -
#909 of 1069
Bottom 15.1% in 100M-500M tier
872
Total Assets
balance_sheet
Value:
$127.56M
Peer Median: -
#872 of 1069
Bottom 18.5% in 100M-500M tier