BlastPoint's Credit Union Scorecard
CORRY
Charter #12643 · PA
CORRY has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.8% in tier
- + Organic Growth Leader: Top 15.5% in tier
- + Emerging Performer: Top 33.2% in tier
- + Profitability Leader: Top 39.2% in tier
- + Credit Quality Leader: Top 69.0% in tier
- + ROA 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 22.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Total Assets: Bottom 7.7% in tier
- - Average Member Relationship (AMR): Bottom 7.9% in tier
- - Total Loans: Bottom 8.4% in tier
- - Total Deposits: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,702
+2.6% YoY+0.7% QoQ
|
-4.9K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
34% |
| Assets |
$111.2M
+7.5% YoY+0.4% QoQ
|
$-120.1M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.6% in tier |
| Loans |
$57.0M
+4.1% YoY+2.2% QoQ
|
$-90.8M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.3% in tier |
| Deposits |
$97.5M
+6.8% YoY+0.1% QoQ
|
$-102.8M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.5% in tier |
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| ROA |
1.6%
+4.9% YoY+4.7% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 10.8% in tier |
| NIM |
3.6%
+3.6% YoY+1.7% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
48% |
| Efficiency Ratio |
68.8%
+8.8% YoY+0.9% QoQ
|
-8.5% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.3%
-59.5% YoY-41.4% QoQ
|
-0.6 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
58.5%
-2.5% YoY+2.1% QoQ
|
-14.2% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
19% |
| AMR |
$14,434
+3.1% YoY+0.1% QoQ
|
$-10K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.8% in tier |
| CD Concentration |
24.5%
+9.3% YoY+0.9% QoQ
|
+0.1% |
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 (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)