BlastPoint's Credit Union Scorecard

DISCOVERY

Charter #12935 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

DISCOVERY has 2 strengths but faces 6 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

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.18% below tier average
- Efficiency ratio 4.90% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +3.5% year over year ($171M in shares and deposits).
Membership: 9,000 members, +1.2% vs a year ago.
Delinquency rate 0.48%.
Return on assets 0.68%.
Efficiency ratio 81.63% vs a 76.73% peer average.
Loan-to-share ratio 77.14% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,000 +1.2% YoY-0.3% QoQ	-6.2K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	24%
Assets	$193.2M +4.4% YoY+0.5% QoQ	$-38.8M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	48%
Loans	$132.0M +9.4% YoY+1.7% QoQ	$-14.3M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	54%
Deposits	$171.1M +3.5% YoY+0.5% QoQ	$-29.6M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	50%

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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% +42.3% YoY-24.0% QoQ	-0.2%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	43%
NIM	3.7% +14.2% YoY+0.2% QoQ	+0.0%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	52%
Efficiency Ratio	81.6% -3.5% YoY+3.5% QoQ	+4.9%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	64%
Delinquency Rate	0.5% +19.2% YoY+21.4% QoQ	-0.4	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	34%
Loan To Share	77.1% +5.7% YoY+1.2% QoQ	+5.6%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	58%
AMR	$33,673 +4.8% YoY+1.3% QoQ	+$9K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Top 12.0% in tier
CD Concentration	30.9% -0.3% YoY-0.3% QoQ	+6.3%	24.6%	15.6%	20.0%	50%
Indirect Auto %	15.4% +21.4% YoY+1.4% QoQ	+1.8%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#145 of 262 • 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): 4.75%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.8K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth

#170 of 175 • 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: 0.68%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.17%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#227 of 472 • 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): 9.38%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Efficiency Drag

risk

#346 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.63%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.20% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 1.17%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#531 of 693 • 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): 0.08% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#432 of 476 • 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): 4.39%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.40%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.17%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (3 metrics)

123

Average Member Relationship (AMR)

engagement

Value: $33,673

Peer Median: $23,006

#123 of 1024 Top 11.9% in 100M-500M tier

133

Loan-to-Member Ratio (LMR)

engagement

Value: $14,664

Peer Median: $9,434

#133 of 1024 Top 12.9% in 100M-500M tier

184

Loan Growth Rate

growth

Value: 9.38%

Peer Median: 3.02%

#184 of 1024 Top 17.9% in 100M-500M tier

Top Weaknesses (1 metrics)

772

Total Members

engagement

Value: 9,000

Peer Median: 13,128

#772 of 1024 Bottom 24.7% in 100M-500M tier