BlastPoint's Credit Union Scorecard
KINZUA
Charter #11391 · PA
KINZUA has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 6.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency ratio 1.81% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,776
+6.4% YoY+3.4% QoQ
|
-849 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
46% |
| Assets |
$15.7M
+2.3% YoY+0.0% QoQ
|
$-14.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$4.3M
-10.1% YoY-3.8% QoQ
|
$-11.5M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$13.4M
+2.2% YoY-0.0% QoQ
|
$-12.1M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
43% |
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| ROA |
0.5%
-76.5% YoY-22.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
4.0%
-15.8% YoY-2.2% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
83.2%
+45.8% YoY+1.8% QoQ
|
+1.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
0.1%
+61.7% YoY-86.2% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
23% |
| Loan To Share |
31.8%
-12.0% YoY-3.8% QoQ
|
-29.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.5% in tier |
| AMR |
$9,927
-7.0% YoY-4.3% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
1.4%
+11.2% YoY+3.7% QoQ
|
-23.0% |
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 (0)
Concerns (0)
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)