BlastPoint's Credit Union Scorecard
B V M S N
Charter #13821 · PA
2556 CUs in <100M nationally
190 in PA
B V M S N has 4 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Member decline: -10.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Loan Growth Rate: Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 2.8% in tier
- - Asset Growth Rate: Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Total Members: Bottom 4.0% in tier
- - AMR Growth Rate: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 4.7% in tier
- - Total Loans: Bottom 4.7% in tier
- - Member Growth Rate: Bottom 4.8% in tier
- - Total Assets: Bottom 8.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.3% in tier
- - Total Deposits: Bottom 8.4% in tier
- - First Mortgage Concentration (%): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-10.8% YoY-1.1% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$1.7M
-12.0% YoY-0.9% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.2% in tier |
| Loans |
$265,100
-44.4% YoY-13.7% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.7% in tier |
| Deposits |
$1.3M
-15.2% YoY-1.0% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.4% in tier |
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| ROA |
0.3%
+66.5% YoY-52.8% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
1.9%
+25.4% YoY-12.2% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.3% in tier |
| Efficiency Ratio |
82.1%
-5.0% YoY+23.3% QoQ
|
-0.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
19.8%
-34.4% YoY-12.8% QoQ
|
-40.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.6% in tier |
| AMR |
$8,821
-12.5% YoY-2.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
466
Net Worth Ratio
risk
Value:
21.35%
Peer Median: -
#466 of 2556
Top 18.2% in <100M tier
Top Weaknesses (16 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2522
Loan Growth Rate
growth
Value:
-44.36%
Peer Median: -
#2522 of 2556
Bottom 1.4% in <100M tier
2485
Deposit Growth Rate
growth
Value:
-15.20%
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2482
Asset Growth Rate
growth
Value:
-11.99%
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2472
Net Interest Margin (NIM)
profitability
Value:
1.86%
Peer Median: -
#2472 of 2556
Bottom 3.3% in <100M tier
2454
Total Members
engagement
Value:
182
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2450
AMR Growth Rate
growth
Value:
-12.52%
Peer Median: -
#2450 of 2556
Bottom 4.2% in <100M tier
2437
Loan-to-Share Ratio
balance_sheet
Value:
19.78%
Peer Median: -
#2437 of 2556
Bottom 4.7% in <100M tier
2436
Total Loans
balance_sheet
Value:
$265,100
Peer Median: -
#2436 of 2556
Bottom 4.7% in <100M tier
2434
Member Growth Rate
growth
Value:
-10.78%
Peer Median: -
#2434 of 2556
Bottom 4.8% in <100M tier