BlastPoint's Credit Union Scorecard
FORT LIGONIER
Charter #12505 · PA
2556 CUs in <100M nationally
190 in PA
FORT LIGONIER has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Efficiency ratio 30.53% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - Fee Income Per Member: Bottom 3.4% in tier
- - Loan Growth Rate: Bottom 4.4% in tier
- - Total Members: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
352
-2.8% YoY+0.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.4% in tier |
| Assets |
$3.0M
+5.7% YoY+2.9% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 12.9% in tier |
| Loans |
$898,477
-22.6% YoY-5.1% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.5% in tier |
| Deposits |
$2.5M
+6.9% YoY+4.3% QoQ
|
$-23.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 13.7% in tier |
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| ROA |
0.0%
-81.4% YoY-93.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
1.6%
-20.8% YoY-20.9% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
113.1%
+27.9% YoY+41.9% QoQ
|
+30.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 5.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
35.3%
-27.6% YoY-9.0% QoQ
|
-25.3% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.8% in tier |
| AMR |
$9,783
+0.0% YoY+1.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
435
Deposit Growth Rate
growth
Value:
6.91%
Peer Median: -
#435 of 2556
Top 17.0% in <100M tier
599
Asset Growth Rate
growth
Value:
5.67%
Peer Median: -
#599 of 2556
Top 23.4% in <100M tier
Top Weaknesses (12 metrics)
2506
Net Interest Margin (NIM)
profitability
Value:
1.62%
Peer Median: -
#2506 of 2556
Bottom 2.0% in <100M tier
2471
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2471 of 2556
Bottom 3.4% in <100M tier
2444
Loan Growth Rate
growth
Value:
-22.57%
Peer Median: -
#2444 of 2556
Bottom 4.4% in <100M tier
2414
Efficiency Ratio
profitability
Value:
113.09%
Peer Median: -
#2414 of 2556
Bottom 5.6% in <100M tier
2316
Total Members
engagement
Value:
352
Peer Median: -
#2316 of 2556
Bottom 9.4% in <100M tier
2288
Total Loans
balance_sheet
Value:
$898,477
Peer Median: -
#2288 of 2556
Bottom 10.5% in <100M tier
2240
Members Per Employee (MPE)
engagement
Value:
176.000
Peer Median: -
#2240 of 2556
Bottom 12.4% in <100M tier
2226
Total Assets
balance_sheet
Value:
$3.05M
Peer Median: -
#2226 of 2556
Bottom 12.9% in <100M tier
2205
Total Deposits
balance_sheet
Value:
$2.55M
Peer Median: -
#2205 of 2556
Bottom 13.8% in <100M tier
2176
Loan-to-Share Ratio
balance_sheet
Value:
35.30%
Peer Median: -
#2176 of 2556
Bottom 14.9% in <100M tier