BlastPoint's Credit Union Scorecard
FORT LIGONIER
Charter #12505 · PA
FORT LIGONIER has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan Growth Rate: Bottom 6.3% in tier
- - Total Members: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
348
-2.8% YoY-1.1% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 9.2% in tier |
| Assets |
$3.1M
+4.4% YoY+1.9% QoQ
|
$-27.1M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.1% in tier |
| Loans |
$834,868
-19.9% YoY-7.1% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.2% in tier |
| Deposits |
$2.6M
+5.5% YoY+2.0% QoQ
|
$-23.2M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.8% in tier |
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| ROA |
0.4%
-62.0% YoY
|
+0.2% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
2.0%
-18.7% YoY+25.0% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
86.2%
+18.6% YoY-23.8% QoQ
|
-4.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
1.5%
+267.4% YoY
|
+0.0 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
32.2%
-24.1% YoY-8.9% QoQ
|
-26.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.3% in tier |
| AMR |
$9,861
+0.8% YoY+0.8% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
28% |
| 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)