BlastPoint's Credit Union Scorecard
CITYMARK
Charter #14074 · PA
CITYMARK has 11 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 0.0% in tier
- + Organic Growth Engine: Top 0.5% in tier
- + Organic Growth Leader: Top 1.4% in tier
- + ROA 1.37% above tier average
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 26.7% YoY
- + Deposit Growth Rate: Top 1.1% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Efficiency Ratio: Top 3.5% in tier
- + Net Worth Ratio: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 13.6% in tier
- - Shrinking Wallet Share: Bottom 18.8% in tier
- - Credit Quality Pressure: Bottom 23.7% in tier
- - Liquidity Overhang: Bottom 89.5% in tier
- - Delinquency rate 0.05% above tier average
- - AMR Growth Rate: Bottom 3.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,743
+26.7% YoY+0.3% QoQ
|
-7.7K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.8% in tier |
| Assets |
$144.1M
+26.3% YoY+4.5% QoQ
|
$-87.8M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$95.3M
+9.4% YoY+1.0% QoQ
|
$-52.1M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$120.4M
+27.3% YoY+4.8% QoQ
|
$-80.4M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
2.1%
-3.2% YoY-7.6% QoQ
|
+1.4% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.6% in tier |
| NIM |
4.2%
-2.6% YoY-0.3% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
54.7%
+0.5% YoY+2.4% QoQ
|
-22.3% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate |
0.9%
+75.1% YoY+116.0% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
79.1%
-14.1% YoY-3.7% QoQ
|
+6.9% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$27,860
-6.3% YoY+2.8% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
23.8%
-15.8% YoY+0.9% QoQ
|
-0.7% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
2.1%
-35.1% YoY-8.6% QoQ
|
-11.7% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (3)
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 Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—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)