BlastPoint's Credit Union Scorecard
DISCOVERY
Charter #12935 · PA
DISCOVERY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 53.2% in tier
- + Organic Growth Engine: Top 53.2% in tier
- + Relationship Depth Leader: Top 68.9% in tier
- + Emerging Performer: Top 76.2% in tier
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.1% in tier
- - Credit Quality Pressure: Bottom 33.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,000
+2.4% YoY+0.5% QoQ
|
-6.4K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$188.1M
+3.9% YoY+1.4% QoQ
|
$-43.8M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$129.4M
+10.6% YoY+2.8% QoQ
|
$-17.9M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$166.7M
+2.8% YoY+1.1% QoQ
|
$-34.1M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
48% |
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| ROA |
0.9%
+99.0% YoY+30.6% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
63% |
| NIM |
3.4%
+20.3% YoY+2.0% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
76.3%
-11.3% YoY-2.4% QoQ
|
-0.7% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.4%
+281.2% YoY-3.4% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
77.6%
+7.5% YoY+1.7% QoQ
|
+5.4% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$32,900
+3.6% YoY+1.3% QoQ
|
+$8K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 12.2% in tier |
| CD Concentration |
31.5%
+2.1% YoY-1.4% QoQ
|
+7.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
13.6%
+30.7% YoY+4.1% QoQ
|
-0.2% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)