BlastPoint's Credit Union Scorecard
CITYMARK
Charter #14074 · PA
CITYMARK has 6 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.72% above tier average
- + Net Interest Margin 0.29% above tier average
- + Efficiency Ratio: Top 6.9% in tier
- + Asset Growth Rate: Top 9.0% in tier
- + Deposit Growth Rate: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +10.0% year over year ($127M in shares and deposits).
- Membership: 7,727 members, -1.2% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 1.59%.
- Efficiency ratio 58.20% vs a 76.73% peer average.
- Loan-to-share ratio 74.74% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,727
-1.2% YoY-0.6% QoQ
|
-7.4K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$152.2M
+10.2% YoY+2.7% QoQ
|
$-79.8M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$95.3M
+2.5% YoY+1.5% QoQ
|
$-51.0M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$127.5M
+10.0% YoY+2.8% QoQ
|
$-73.2M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
29% |
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 |
1.6%
-31.8% YoY-8.6% QoQ
|
+0.7% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.5% in tier |
| NIM |
4.0%
-3.3% YoY-0.0% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
58.2%
+13.6% YoY-0.1% QoQ
|
-18.5% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
0.9%
+114.7% YoY-17.6% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
74.7%
-6.8% YoY-1.3% QoQ
|
+3.2% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$28,829
+8.0% YoY+2.9% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
26.0%
+15.6% YoY+8.5% QoQ
|
+1.4% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
1.8%
-28.9% YoY-9.4% QoQ
|
-11.9% | 13.6% | 8.4% | 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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)