BlastPoint's Credit Union Scorecard
CITYMARK
Charter #14074 · PA
CITYMARK has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.01% above tier average
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio: Top 6.3% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,774
-0.8% YoY+0.4% QoQ
|
-7.4K |
15,145
-2.5% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$148.3M
+9.6% YoY+2.9% QoQ
|
$-83.5M |
$231.7M
+0.8% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$93.9M
+0.9% YoY-1.4% QoQ
|
$-50.2M |
$144.1M
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$124.0M
+8.9% YoY+2.9% QoQ
|
$-77.1M |
$201.1M
+0.4% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
1.7%
-26.1% YoY-18.4% QoQ
|
+1.0% |
0.7%
+5.1% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 6.8% in tier |
| NIM |
4.0%
-8.4% YoY-4.3% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
58.3%
+15.5% YoY+6.4% QoQ
|
-19.8% |
78.0%
-1.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
1.1%
+63.0% YoY+12.9% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
75.7%
-7.3% YoY-4.3% QoQ
|
+5.3% |
70.4%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$28,028
+6.1% YoY+0.6% QoQ
|
+$3K |
$24,918
+2.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
24.0%
+4.2% YoY+0.9% QoQ
|
-0.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % |
1.9%
-28.8% YoY-5.7% QoQ
|
-11.9% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)