BlastPoint's Credit Union Scorecard
SCRANTON DOWNTOWN
Charter #15591 · PA
SCRANTON DOWNTOWN has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.76% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - First Mortgage Concentration (%): Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,453
-3.3% YoY-0.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$14.1M
+3.9% YoY-8.3% QoQ
|
$-16.0M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$5.0M
-18.6% YoY-3.5% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$12.6M
+3.6% YoY-9.2% QoQ
|
$-13.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.7%
-39.9% YoY-10.3% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
51% |
| NIM |
4.4%
-7.9% YoY+5.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
84.3%
+9.7% YoY+3.0% QoQ
|
+1.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.4%
+18.2% YoY+507.6% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
39.4%
-21.5% YoY+6.3% QoQ
|
-21.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$12,111
-0.6% YoY-7.6% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
40% |
| CD Concentration |
1.4%
-11.2% YoY+4.0% QoQ
|
-23.0% | 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)