BlastPoint's Credit Union Scorecard
FIRST COMMONWEALTH
Charter #12765 · PA
FIRST COMMONWEALTH has 4 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 35.5% in tier
- + Organic Growth Engine: Top 35.5% in tier
- + Emerging Performer: Top 58.5% in tier
- + Net Interest Margin 0.61% above tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 3.9% in tier
- - ROA 0.13% below tier average
- - Delinquency rate 0.26% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
98,419
+3.4% YoY+0.9% QoQ
|
+2.4K |
96,048
-2.7% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$1.5B
+5.3% YoY+1.9% QoQ
|
$-238.7M |
$1.7B
+0.4% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
45% |
| Loans |
$1.1B
+1.7% YoY-1.9% QoQ
|
$-102.3M |
$1.2B
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$1.3B
+5.1% YoY+2.1% QoQ
|
$-133.4M |
$1.5B
+0.5% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.6%
-52.7% YoY-3.0% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
43% |
| NIM |
4.0%
+4.4% YoY+0.8% QoQ
|
+0.6% |
3.4%
+6.2% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
73.4%
+14.6% YoY-0.5% QoQ
|
-1.2% |
74.6%
-3.0% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
1.0%
-9.2% YoY-17.2% QoQ
|
+0.3 |
0.8%
+6.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
83.4%
-3.3% YoY-4.0% QoQ
|
+0.2% |
83.2%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$24,829
+0.2% YoY-0.6% QoQ
|
$-5K |
$29,652
+2.3% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
29.8%
+4.3% YoY-0.5% QoQ
|
+0.9% | 28.8% | 15.4% | 19.8% | 55% |
| Indirect Auto % |
8.9%
-29.3% YoY-5.8% QoQ
|
-9.2% | 18.1% | 8.3% | 7.7% | 36% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)