BlastPoint's Credit Union Scorecard

CHESWICK ATOMIC DIVISION

Charter #15234 · PA

2556 CUs in <100M nationally 190 in PA

CHESWICK ATOMIC DIVISION demonstrates 4 strengths

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 0.12% above tier average
+ First Mortgage Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 0.0% in tier
+ Net Worth Ratio: Top 4.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	473 +2.4% YoY-0.4% QoQ	-2.1K	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	Bottom 12.6% in tier
Assets	$4.8M +2.3% YoY+0.4% QoQ	$-25.3M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	18%
Loans	$1.8M -12.9% YoY-3.4% QoQ	$-13.9M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	16%
Deposits	$3.2M +1.9% YoY+0.4% QoQ	$-22.5M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% 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	0.7% +25.5% YoY+12.6% QoQ	+0.1%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	53%
NIM	3.3% +7.5% YoY+0.6% QoQ	-0.7%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	26%
Efficiency Ratio	77.7% -2.4% YoY-3.0% QoQ	-4.9%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	1.0% -46.0% YoY+435.8% QoQ	-0.6	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	60%
Loan To Share	57.4% -14.6% YoY-3.7% QoQ	-3.2%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	45%
AMR	$10,554 -6.3% YoY-0.6% QoQ	$-4K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	31%
CD Concentration	0.0% -100.0% YoY	-24.4%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.5% -52.2% YoY-17.9% QoQ	-13.3%	13.8%	8.1%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

105

Net Worth Ratio

risk

Value: 33.75%

Peer Median: -

#105 of 2556 Top 4.1% in <100M tier

346

Member Growth Rate

growth

Value: 2.38%

Peer Median: -

#346 of 2556 Top 13.5% in <100M tier

575

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#575 of 2556 Top 22.5% in <100M tier

Top Weaknesses (9 metrics)

2247

AMR Growth Rate

growth

Value: -6.30%

Peer Median: -

#2247 of 2556 Bottom 12.1% in <100M tier

2233

Total Members

engagement

Value: 473

Peer Median: -

#2233 of 2556 Bottom 12.7% in <100M tier

2202

Loan Growth Rate

growth

Value: -12.95%

Peer Median: -

#2202 of 2556 Bottom 13.9% in <100M tier

2188

Indirect Auto Concentration (%)

balance_sheet

Value: 0.54%

Peer Median: -

#2188 of 2556 Bottom 14.4% in <100M tier

2185

Fee Income Per Member

profitability

Value: $5.80

Peer Median: -

#2185 of 2556 Bottom 14.6% in <100M tier

2141

Total Deposits

balance_sheet

Value: $3.17M

Peer Median: -

#2141 of 2556 Bottom 16.3% in <100M tier

2133

Total Loans

balance_sheet

Value: $1.82M

Peer Median: -

#2133 of 2556 Bottom 16.6% in <100M tier

2090

Total Assets

balance_sheet

Value: $4.81M

Peer Median: -

#2090 of 2556 Bottom 18.3% in <100M tier

1967

Members Per Employee (MPE)

engagement

Value: 236.500

Peer Median: -

#1967 of 2556 Bottom 23.1% in <100M tier