BlastPoint's Credit Union Scorecard

WYROPE WILLIAMSPORT

Charter #11689 · PA

<100M

2508 CUs in <100M nationally 186 in PA

WYROPE WILLIAMSPORT has 2 strengths but faces 1 concern

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 0.76% above tier average
+ Loan Growth Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 2.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	4,761 +0.7% YoY-0.5% QoQ	+2.1K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	Top 15.0% in tier
Assets	$43.7M +7.5% YoY+4.9% QoQ	+$13.5M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	72%
Loans	$15.2M +16.4% YoY-1.4% QoQ	$-56K	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	63%
Deposits	$37.4M +7.5% YoY+5.5% QoQ	+$11.6M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	72%

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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	0.9% -20.3% YoY-23.5% QoQ	+0.8%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	65%
NIM	3.2% -5.8% YoY-2.0% QoQ	-0.8%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	74.2% +4.0% YoY+5.4% QoQ	-16.4%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	33%
Delinquency Rate	1.0% -40.9% YoY-31.3% QoQ	-0.5	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	65%
Loan To Share	40.8% +8.3% YoY-6.6% QoQ	-17.7%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	23%
AMR	$11,043 +9.2% YoY+3.9% QoQ	$-4K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	33%
CD Concentration	12.3% +69.5% YoY-11.6% QoQ	-12.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	43.7% +15.3% YoY+3.9% QoQ	+29.9%	13.8%	8.3%	7.7%	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 2508 peers in tier

Top Strengths (6 metrics)

121

Loan Growth Rate

growth

Value: 16.38%

Peer Median: -2.36%

#121 of 2508 Top 4.8% in <100M tier

279

AMR Growth Rate

growth

Value: 9.16%

Peer Median: 1.27%

#279 of 2508 Top 11.1% in <100M tier

307

Members Per Employee (MPE)

engagement

Value: 529.000

Peer Median: 333.750

#307 of 2508 Top 12.2% in <100M tier

326

Asset Growth Rate

growth

Value: 7.51%

Peer Median: 1.30%

#326 of 2508 Top 13.0% in <100M tier

358

Deposit Growth Rate

growth

Value: 7.46%

Peer Median: 0.66%

#358 of 2508 Top 14.2% in <100M tier

375

Total Members

engagement

Value: 4,761

Peer Median: 1,918

#375 of 2508 Top 14.9% in <100M tier

Top Weaknesses (3 metrics)

2460

Indirect Auto Concentration (%)

balance_sheet

Value: 43.67%

Peer Median: 0.00%

#2460 of 2508 Bottom 2.0% in <100M tier

1996

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: 0.07%

#1996 of 2508 Bottom 20.5% in <100M tier

1937

Loan-to-Share Ratio

balance_sheet

Value: 40.76%

Peer Median: 58.72%

#1937 of 2508 Bottom 22.8% in <100M tier