BlastPoint's Credit Union Scorecard
EARNING TREE
Charter #12333 · PA
EARNING TREE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Average Member Relationship (AMR): Top 6.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.58% above tier average
- - Member decline: -3.1% YoY
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Loan-to-Share Ratio: Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,868
-3.1% YoY-0.8% QoQ
|
-808 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$48.1M
+7.0% YoY+2.3% QoQ
|
+$17.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$6.7M
+1.5% YoY-4.6% QoQ
|
$-8.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$43.3M
+7.0% YoY+2.4% QoQ
|
+$17.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
0.4%
-0.4% YoY-20.4% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
1.5%
-0.7% YoY-5.3% QoQ
|
-2.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
70.2%
-3.7% YoY+4.8% QoQ
|
-20.5% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
26% |
| Delinquency Rate |
3.1%
+71.5% YoY+46.2% QoQ
|
+1.6 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 11.0% in tier |
| Loan To Share |
15.5%
-5.1% YoY-6.8% QoQ
|
-43.0% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 3.2% in tier |
| AMR |
$26,796
+9.6% YoY+2.2% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Top 6.2% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)