BlastPoint's Credit Union Scorecard

CHESWICK ATOMIC DIVISION

Charter #15234 · PA

<100M

2508 CUs in <100M nationally 186 in PA

CHESWICK ATOMIC DIVISION has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.55% above tier average
+ Net Worth Ratio: Top 4.3% in tier

Key Concerns

Areas that may need attention

- Loan Growth Rate: Bottom 8.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	475 +0.2% YoY+0.4% QoQ	-2.2K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	Bottom 12.9% in tier
Assets	$5.0M +6.2% YoY+4.1% QoQ	$-25.2M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	19%
Loans	$1.7M -17.5% YoY-9.1% QoQ	$-13.6M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	16%
Deposits	$3.4M +7.9% YoY+6.0% QoQ	$-22.4M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	17%

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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	0.7% +33.6% YoY-6.2% QoQ	+0.5%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	55%
NIM	3.1% -1.9% YoY-6.3% QoQ	-0.9%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	77.8% -6.7% YoY+0.2% QoQ	-12.8%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.1% -96.7% YoY-90.6% QoQ	-1.4	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	22%
Loan To Share	49.2% -23.5% YoY-14.2% QoQ	-9.3%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	35%
AMR	$10,564 -2.3% YoY+0.1% QoQ	$-4K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	31%
CD Concentration	2.2%	-22.0%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.4% -55.5% YoY-20.5% QoQ	-13.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

110

Net Worth Ratio

risk

Value: 32.60%

Peer Median: 14.28%

#110 of 2508 Top 4.3% in <100M tier

326

Deposit Growth Rate

growth

Value: 7.86%

Peer Median: 0.66%

#326 of 2508 Top 13.0% in <100M tier

457

Asset Growth Rate

growth

Value: 6.24%

Peer Median: 1.30%

#457 of 2508 Top 18.2% in <100M tier

545

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.65%

#545 of 2508 Top 21.7% in <100M tier

Top Weaknesses (9 metrics)

2287

Loan Growth Rate

growth

Value: -17.49%

Peer Median: -2.36%

#2287 of 2508 Bottom 8.9% in <100M tier

2185

Total Members

engagement

Value: 475

Peer Median: 1,918

#2185 of 2508 Bottom 12.9% in <100M tier

2150

Indirect Auto Concentration (%)

balance_sheet

Value: 0.43%

Peer Median: 0.00%

#2150 of 2508 Bottom 14.3% in <100M tier

2111

Total Loans

balance_sheet

Value: $1.66M

Peer Median: $9.48M

#2111 of 2508 Bottom 15.9% in <100M tier

2087

Total Deposits

balance_sheet

Value: $3.36M

Peer Median: $18.77M

#2087 of 2508 Bottom 16.8% in <100M tier

2062

Fee Income Per Member

profitability

Value: $8.09

Peer Median: $60.42

#2062 of 2508 Bottom 17.8% in <100M tier

2040

Total Assets

balance_sheet

Value: $5.00M

Peer Median: $21.86M

#2040 of 2508 Bottom 18.7% in <100M tier

2005

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: 3.83%

#2005 of 2508 Bottom 20.1% in <100M tier

1911

Members Per Employee (MPE)

engagement

Value: 237.500

Peer Median: 333.750

#1911 of 2508 Bottom 23.8% in <100M tier