BlastPoint's Credit Union Scorecard

DISCOVERY

Charter #12935 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

DISCOVERY has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.17% above tier average
+ Net Interest Margin 0.07% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency ratio 0.84% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,023 +1.9% YoY+0.3% QoQ	-6.1K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	24%
Assets	$192.2M +4.2% YoY+2.2% QoQ	$-39.6M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	48%
Loans	$129.7M +8.2% YoY+0.2% QoQ	$-14.4M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	54%
Deposits	$170.2M +3.1% YoY+2.1% QoQ	$-30.9M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	49%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% +572.3% YoY-3.3% QoQ	+0.2%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	64%
NIM	3.7% +17.1% YoY+8.3% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	78.9% -10.5% YoY+3.3% QoQ	+0.8%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.4% -6.3% QoQ	-0.4	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	31%
Loan To Share	76.2% +5.0% YoY-1.9% QoQ	+5.8%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	58%
AMR	$33,245 +3.2% YoY+1.0% QoQ	+$8K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Top 12.1% in tier
CD Concentration	30.9% +1.8% YoY-1.7% QoQ	+6.7%	24.3%	15.4%	19.8%	50%
Indirect Auto %	15.2% +27.1% YoY+11.3% QoQ	+1.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#183 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.23%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $2.7K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Emerging Performer

growth

#131 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.89%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.92%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#80 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.18%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#188 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#471 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.20%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.19%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.92%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

130

Average Member Relationship (AMR)

engagement

Value: $33,245

Peer Median: $22,931

#130 of 1070 Top 12.1% in 100M-500M tier

136

Loan-to-Member Ratio (LMR)

engagement

Value: $14,376

Peer Median: $9,356

#136 of 1070 Top 12.6% in 100M-500M tier

242

Fee Income Per Member

profitability

Value: $207.96

Peer Median: $154.95

#242 of 1070 Top 22.5% in 100M-500M tier

250

Loan Growth Rate

growth

Value: 8.18%

Peer Median: 2.93%

#250 of 1070 Top 23.3% in 100M-500M tier

260

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.35%

#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (1 metrics)

808

Total Members

engagement

Value: 9,023

Peer Median: 13,200

#808 of 1070 Bottom 24.6% in 100M-500M tier