BlastPoint's Credit Union Scorecard
VISIONARY
Charter #14018 · PA
VISIONARY has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,075
-3.7% YoY-0.6% QoQ
|
+398 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
69% |
| Assets |
$41.1M
+3.6% YoY+4.4% QoQ
|
+$10.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$16.7M
-8.3% YoY-3.0% QoQ
|
+$1.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
65% |
| Deposits |
$36.4M
+2.3% YoY+5.0% QoQ
|
+$10.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.5%
-26.6% YoY-64.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
3.7%
-1.6% YoY-8.7% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
84.3%
+1.8% YoY+23.6% QoQ
|
-6.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
0.7%
-15.6% YoY-22.3% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
45.8%
-10.3% YoY-7.5% QoQ
|
-12.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$17,253
+2.5% YoY+3.0% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
5.9%
-19.8% YoY-15.5% QoQ
|
-18.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)