BlastPoint's Credit Union Scorecard

DISCOVERY

Charter #12935 · PA

1077 CUs in 100M-500M nationally 61 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

+ Organic Growth Leader: Top 17.2% in tier
+ Organic Growth Engine: Top 23.8% in tier
+ Relationship Depth Leader: Top 62.9% in tier
+ Emerging Performer: Top 85.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.3% in tier
- Credit Quality Pressure: Bottom 8.5% in tier
- ROA 0.08% below tier average
- Efficiency ratio 0.88% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,952 +2.3% YoY+0.6% QoQ	-6.7K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	22%
Assets	$185.5M +3.4% YoY+0.2% QoQ	$-45.8M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	46%
Loans	$125.8M +10.9% YoY+4.3% QoQ	$-22.0M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	51%
Deposits	$164.9M +2.5% YoY-0.2% QoQ	$-35.4M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	48%

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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	0.7% +91.7% YoY+48.1% QoQ	-0.1%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	46%
NIM	3.3% +22.2% YoY+3.1% QoQ	-0.2%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	35%
Efficiency Ratio	78.2% -10.7% YoY-7.7% QoQ	+0.9%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	54%
Delinquency Rate	0.4% +502.1% YoY+8.5% QoQ	-0.4	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	32%
Loan To Share	76.3% +8.2% YoY+4.5% QoQ	+3.6%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	54%
AMR	$32,476 +3.5% YoY+1.0% QoQ	+$8K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Top 12.2% in tier
CD Concentration	31.9% +2.9% YoY+3.1% QoQ	+7.5%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	13.1% +33.0% YoY+3.3% QoQ	-0.9%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#227 of 430 • Top 17.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.33%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 13.10%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#437 of 603 • Top 23.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.33%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 13.10%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth

#162 of 257 • Top 62.9% 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): 3.52%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.6K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Emerging Performer

growth

#164 of 191 • Top 85.8% 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: 0.71%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 2.33%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#50 of 446 • Bottom 3.3% in tier

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

Why This Signature

Loan Growth (YoY): 10.86%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#211 of 736 • Bottom 8.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (3 metrics)

131

Average Member Relationship (AMR)

engagement

Value: $32,476

Peer Avg: -

#131 of 1077 Top 12.1% in 100M-500M tier

137

Loan Growth Rate

growth

Value: 10.86%

Peer Avg: -

#137 of 1077 Top 12.6% in 100M-500M tier

142

Loan-to-Member Ratio (LMR)

engagement

Value: $14,056

Peer Avg: -

#142 of 1077 Top 13.1% in 100M-500M tier

Top Weaknesses (2 metrics)

837

Total Members

engagement

Value: 8,952

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier

835

Share Certificate Concentration (%)

balance_sheet

Value: 31.91%

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier