BlastPoint's Credit Union Scorecard
CITYMARK
Charter #14074 · PA
CITYMARK has 13 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.0% in tier
- + Emerging Performer: Top 0.0% in tier
- + Organic Growth Leader: Top 0.5% in tier
- + Profitability Leader: Top 5.3% in tier
- + ROA 1.51% above tier average
- + Net Interest Margin 0.59% above tier average
- + Strong member growth: 27.0% YoY
- + Member Growth Rate: Top 1.6% in tier
- + Asset Growth Rate: Top 2.4% in tier
- + Deposit Growth Rate: Top 2.6% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + Net Worth Ratio: Top 8.7% in tier
- + Fee Income Per Member: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 2.5% in tier
- - Liquidity Overhang: Bottom 88.0% in tier
- - AMR Growth Rate: Bottom 2.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,720
+27.0% YoY-1.3% QoQ
|
-7.9K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 14.1% in tier |
| Assets |
$137.9M
+20.3% YoY-0.2% QoQ
|
$-93.4M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$94.3M
+9.5% YoY+1.5% QoQ
|
$-53.5M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$114.9M
+20.0% YoY-0.9% QoQ
|
$-85.4M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
21% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
2.3%
-0.7% YoY-1.1% QoQ
|
+1.5% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 1.6% in tier |
| NIM |
4.2%
-1.9% YoY+1.5% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
53.4%
-2.6% YoY+4.3% QoQ
|
-23.8% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
0.4%
-56.8% YoY+6.9% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
31% |
| Loan To Share |
82.1%
-8.7% YoY+2.4% QoQ
|
+9.4% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
68% |
| AMR |
$27,102
-9.4% YoY+1.5% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
23.5%
-17.5% YoY+4.6% QoQ
|
-0.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
2.3%
-29.7% YoY-8.9% QoQ
|
-11.7% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)