BlastPoint's Credit Union Scorecard

INGERSOLL-RAND

Charter #14425 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

INGERSOLL-RAND has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.98% below tier average
- Efficiency ratio 16.51% above tier (higher cost structure)
- Delinquency rate 1.07% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- Net Charge-Off Rate: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,209 +2.8% YoY+0.3% QoQ	-6.9K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	20%
Assets	$125.0M +3.9% YoY+2.4% QoQ	$-106.7M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	16%
Loans	$69.3M +10.6% YoY+2.7% QoQ	$-74.9M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	16%
Deposits	$108.0M +4.8% YoY+2.7% QoQ	$-93.1M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3%	-1.0%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Bottom 4.6% in tier
NIM	3.4% -4.3% YoY-6.9% QoQ	-0.2%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	94.5% +7.4% YoY+7.4% QoQ	+16.5%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Bottom 6.2% in tier
Delinquency Rate	1.8% +24.9% YoY-22.6% QoQ	+1.1	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Bottom 6.5% in tier
Loan To Share	64.1% +5.6% YoY+0.0% QoQ	-6.3%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	34%
AMR	$21,599 +4.1% YoY+2.4% QoQ	$-3K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	42%
CD Concentration	29.5% -8.0% YoY-0.5% QoQ	+5.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#174 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#51 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.60%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#112 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 94.54%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.77%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Quality Pressure

risk

#184 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

154

Loan Growth Rate

growth

Value: 10.60%

Peer Median: 2.93%

#154 of 1070 Top 14.3% in 100M-500M tier

234

Member Growth Rate

growth

Value: 2.77%

Peer Median: -0.06%

#234 of 1070 Top 21.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1021

Return on Assets (ROA)

profitability

Value: -0.26%

Peer Median: 0.69%

#1021 of 1070 Bottom 4.7% in 100M-500M tier

1005

Efficiency Ratio

profitability

Value: 94.54%

Peer Median: 78.68%

#1005 of 1070 Bottom 6.2% in 100M-500M tier

1001

Total Delinquency Rate (60+ days)

risk

Value: 1.85%

Peer Median: 0.61%

#1001 of 1070 Bottom 6.5% in 100M-500M tier

964

Net Charge-Off Rate

risk

Value: 1.07%

Peer Median: 0.35%

#964 of 1070 Bottom 10.0% in 100M-500M tier

900

Total Assets

balance_sheet

Value: $125.04M

Peer Median: $196.57M

#900 of 1070 Bottom 16.0% in 100M-500M tier

899

Total Deposits

balance_sheet

Value: $108.03M

Peer Median: $171.29M

#899 of 1070 Bottom 16.1% in 100M-500M tier

894

Total Loans

balance_sheet

Value: $69.28M

Peer Median: $121.41M

#894 of 1070 Bottom 16.5% in 100M-500M tier

860

Total Members

engagement

Value: 8,209

Peer Median: 13,200

#860 of 1070 Bottom 19.7% in 100M-500M tier