BlastPoint's Credit Union Scorecard
BRADFORD AREA
Charter #13823 · PA
BRADFORD AREA has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 14.12% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,398
-0.7% YoY+0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$11.6M
+1.1% YoY-3.1% QoQ
|
$-18.5M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$6.5M
+11.0% YoY-1.4% QoQ
|
$-9.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$10.1M
+1.1% YoY-3.7% QoQ
|
$-15.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
0.1%
-203.6% YoY-68.7% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
2.6%
-2.1% YoY+0.0% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
96.7%
+4.0% YoY+4.1% QoQ
|
+14.1% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate |
0.6%
-32.8% YoY-9.3% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
64.7%
+9.8% YoY+2.3% QoQ
|
+4.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$11,869
+5.5% YoY-3.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
27.6%
+26.6% YoY-7.1% QoQ
|
+3.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)