BlastPoint's Credit Union Scorecard
C-B-W SCHOOLS
Charter #11374 · PA
1077 CUs in 100M-500M nationally
61 in PA
C-B-W SCHOOLS has 9 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 28.1% in tier
- + Credit Quality Leader: Top 67.5% in tier
- + ROA 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.3% in tier
- + Members Per Employee (MPE): Top 1.9% in tier
- + Efficiency Ratio: Top 3.8% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1.5% in tier
- - Stagnation Risk: Bottom 17.5% in tier
- - Membership Headwinds: Bottom 19.3% in tier
- - Member decline: -2.1% YoY
- - Total Loans: Bottom 0.8% in tier
- - Fee Income Per Member: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 1.4% in tier
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Net Interest Margin (NIM): Bottom 2.7% in tier
- - Total Deposits: Bottom 3.2% in tier
- - First Mortgage Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,322
-2.1% YoY-0.3% QoQ
|
-8.3K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 12.8% in tier |
| Assets |
$124.9M
+8.8% YoY+1.3% QoQ
|
$-106.4M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$27.8M
+1.2% YoY+1.7% QoQ
|
$-120.0M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.7% in tier |
| Deposits |
$90.4M
+9.6% YoY+0.9% QoQ
|
$-109.9M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.1% in tier |
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| ROA |
1.0%
+14.4% YoY+4.2% QoQ
|
+0.2% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
67% |
| NIM |
2.1%
+5.2% YoY+0.8% QoQ
|
-1.5% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
54.5%
-6.4% YoY-2.9% QoQ
|
-22.8% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.8% in tier |
| Delinquency Rate |
0.3%
-6.6% YoY-11.2% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
30.7%
-7.6% YoY+0.8% QoQ
|
-42.0% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.9% in tier |
| AMR |
$16,139
+9.8% YoY+1.5% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.1% in tier |
| CD Concentration |
26.7%
+20.7% YoY+4.1% QoQ
|
+2.3% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growth
#136 of 481 • Top 28.1% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
9.78%
(Tier:
3.68%, National:
4.19%)
481 of 1077 Community CUs have this signature |
620 nationally
↑ Growing
+201 CUs YoY
|
New qualifier
Credit Quality Leader
growth
#230 of 340 • Top 67.5% in tier
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why This Signature
Delinquency Rate:
0.29%
(Tier:
0.85%, National:
1.23%)
Delinquency Change (YoY):
-0.02% points
(Tier:
0.04% points, National:
0.07% points)
340 of 1077 Community CUs have this signature |
457 nationally
→ Stable (341→340 CUs)
-1 CUs YoY
|
Rank improving
Concerns (3)
Liquidity Overhang
risk
#3 of 134 • Bottom 1.5% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
30.47%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
30.74%
(Tier:
74.56%, National:
67.96%)
134 of 1077 Community CUs have this signature |
155 nationally
↑ Growing
+25 CUs YoY
Stagnation Risk
risk
#289 of 550 • Bottom 17.5% in tier
Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Why This Signature
Member Growth (YoY):
-2.06%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
1.24%
(Tier:
3.65%, National:
36.38%)
Delinquency Rate:
0.29%
(Tier:
0.85%, National:
1.23%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#318 of 550 • Bottom 19.3% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-2.06%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature |
648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
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 Avg: -
#1 of 1077
Top 0.0% in 100M-500M tier
4
Net Worth Ratio
risk
Value:
30.47%
Peer Avg: -
#4 of 1077
Top 0.3% in 100M-500M tier
22
Members Per Employee (MPE)
engagement
Value:
610.167
Peer Avg: -
#22 of 1077
Top 1.9% in 100M-500M tier
42
Efficiency Ratio
profitability
Value:
54.50%
Peer Avg: -
#42 of 1077
Top 3.8% in 100M-500M tier
52
Net Charge-Off Rate
risk
Value:
0.03%
Peer Avg: -
#52 of 1077
Top 4.7% in 100M-500M tier
108
AMR Growth Rate
growth
Value:
9.78%
Peer Avg: -
#108 of 1077
Top 9.9% in 100M-500M tier
134
Deposit Growth Rate
growth
Value:
9.61%
Peer Avg: -
#134 of 1077
Top 12.3% in 100M-500M tier
177
Asset Growth Rate
growth
Value:
8.84%
Peer Avg: -
#177 of 1077
Top 16.3% in 100M-500M tier
193
Total Delinquency Rate (60+ days)
risk
Value:
0.29%
Peer Avg: -
#193 of 1077
Top 17.8% in 100M-500M tier
Top Weaknesses (10 metrics)
1069
Total Loans
balance_sheet
Value:
$27.78M
Peer Avg: -
#1069 of 1077
Bottom 0.8% in 100M-500M tier
1066
Fee Income Per Member
profitability
Value:
$24.99
Peer Avg: -
#1066 of 1077
Bottom 1.1% in 100M-500M tier
1063
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,795
Peer Avg: -
#1063 of 1077
Bottom 1.4% in 100M-500M tier
1057
Loan-to-Share Ratio
balance_sheet
Value:
30.74%
Peer Avg: -
#1057 of 1077
Bottom 1.9% in 100M-500M tier
1049
Net Interest Margin (NIM)
profitability
Value:
2.12%
Peer Avg: -
#1049 of 1077
Bottom 2.7% in 100M-500M tier
1044
Total Deposits
balance_sheet
Value:
$90.38M
Peer Avg: -
#1044 of 1077
Bottom 3.2% in 100M-500M tier
980
First Mortgage Concentration (%)
balance_sheet
Value:
55.07%
Peer Avg: -
#980 of 1077
Bottom 9.1% in 100M-500M tier
939
Total Members
engagement
Value:
7,322
Peer Avg: -
#939 of 1077
Bottom 12.9% in 100M-500M tier
925
Average Member Relationship (AMR)
engagement
Value:
$16,139
Peer Avg: -
#925 of 1077
Bottom 14.2% in 100M-500M tier
897
Total Assets
balance_sheet
Value:
$124.89M
Peer Avg: -
#897 of 1077
Bottom 16.8% in 100M-500M tier