BlastPoint's Credit Union Scorecard
PAGODA
Charter #15532 · PA
PAGODA has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.56% above tier average
- + Net Interest Margin 0.33% above tier average
- + Strong member growth: 19.4% YoY
- + Member Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,599
+19.4% YoY-0.9% QoQ
|
-77 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$33.0M
+4.5% YoY+3.8% QoQ
|
+$2.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$9.9M
-1.8% YoY-3.0% QoQ
|
$-5.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$29.2M
+2.8% YoY+3.9% QoQ
|
+$3.4M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
63% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
-11.7% YoY-11.5% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 10.7% in tier |
| NIM |
4.3%
-4.5% YoY-5.7% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
66.2%
+5.4% YoY+6.3% QoQ
|
-24.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.3%
-41.1% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
33.8%
-4.5% YoY-6.6% QoQ
|
-24.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 15.0% in tier |
| AMR |
$15,018
-14.9% YoY+3.0% QoQ
|
+$134 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
2.0%
+32.4% YoY+4.8% QoQ
|
-22.2% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)