BlastPoint's Credit Union Scorecard
CHESWICK ATOMIC DIVISION
Charter #15234 ยท PA
2596 CUs in <100M nationally
198 in PA
CHESWICK ATOMIC DIVISION has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - AMR Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
475
+2.8% YoY+1.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 13.0% in tier |
| Assets |
$4.8M
-2.7% YoY+0.1% QoQ
|
$-25.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.9M
-15.4% YoY-3.6% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$3.2M
-5.3% YoY-0.1% QoQ
|
$-22.3M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
17% |
| ROA |
0.7%
+9.6% YoY+2.4% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
45% |
| NIM |
3.2%
+11.4% YoY+0.7% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
80.1%
+0.3% YoY-0.3% QoQ
|
-1.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.2%
-89.1% YoY-9.1% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
59.6%
-10.7% YoY-3.5% QoQ
|
-1.6% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$10,619
-11.8% YoY-2.8% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
0.0%
-100.0% YoY
|
-24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.7%
-46.9% YoY-19.7% QoQ
|
-13.3% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (4 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
105
Net Worth Ratio
risk
Value:
33.65%
Peer Avg: 16.43%
#105 of 2596
Top 4.0% in <100M tier
342
Member Growth Rate
growth
Value:
2.81%
Peer Avg: 14.92%
#342 of 2596
Top 13.1% in <100M tier
Top Weaknesses (11 metrics)
2442
AMR Growth Rate
growth
Value:
-11.82%
Peer Avg: 4.67%
#2442 of 2596
Bottom 6.0% in <100M tier
2315
Loan Growth Rate
growth
Value:
-15.41%
Peer Avg: 59.01%
#2315 of 2596
Bottom 10.9% in <100M tier
2258
Total Members
engagement
Value:
475
Peer Avg: 2,626
#2258 of 2596
Bottom 13.1% in <100M tier
2223
Indirect Auto Concentration (%)
balance_sheet
Value:
0.65%
Peer Avg: 2.84%
#2223 of 2596
Bottom 14.4% in <100M tier
2196
Fee Income Per Member
profitability
Value:
$5.94
Peer Avg: $182.96
#2196 of 2596
Bottom 15.4% in <100M tier
2168
Deposit Growth Rate
growth
Value:
-5.29%
Peer Avg: 16.80%
#2168 of 2596
Bottom 16.5% in <100M tier
2166
Total Deposits
balance_sheet
Value:
$3.16M
Peer Avg: $25.45M
#2166 of 2596
Bottom 16.6% in <100M tier
2155
Total Loans
balance_sheet
Value:
$1.88M
Peer Avg: $15.77M
#2155 of 2596
Bottom 17.0% in <100M tier
2118
Total Assets
balance_sheet
Value:
$4.79M
Peer Avg: $29.86M
#2118 of 2596
Bottom 18.5% in <100M tier
1999
Members Per Employee (MPE)
engagement
Value:
237.500
Peer Avg: 365.701
#1999 of 2596
Bottom 23.0% in <100M tier