BlastPoint's Credit Union Scorecard
A.B.
Charter #14879 · PA
A.B. has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Strong member growth: 35.5% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Loan Growth Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 2.10% below tier average
- - Efficiency ratio 11.15% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,061
+35.5% YoY+25.9% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$10.3M
+20.3% YoY+15.0% QoQ
|
$-19.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$5.4M
+17.2% YoY+6.5% QoQ
|
$-10.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$8.8M
+21.5% YoY+14.6% QoQ
|
$-16.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
-1.5%
-545.1% YoY+124.9% QoQ
|
-2.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.2% in tier |
| NIM |
4.3%
-2.6% YoY-9.0% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
67% |
| Efficiency Ratio |
93.7%
+3.5% YoY+4.3% QoQ
|
+11.1% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.1%
+116.2% YoY-5.1% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
61.3%
-3.5% YoY-7.0% QoQ
|
+0.7% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$13,400
-11.6% YoY-11.5% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
0.3%
-47.4% YoY-24.4% QoQ
|
-24.1% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)