BlastPoint's Credit Union Scorecard
U F C W LOCAL 1776
Charter #15652 · PA
U F C W LOCAL 1776 has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.01% above tier average
- + Members Per Employee (MPE): Top 1.8% in tier
- + Deposit Growth Rate: Top 7.1% in tier
- + AMR Growth Rate: Top 8.2% in tier
- + Asset Growth Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Member decline: -3.6% YoY
- - Average Member Relationship (AMR): Bottom 8.7% in tier
- - Net Charge-Off Rate: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,704
-3.6% YoY-1.1% QoQ
|
+27 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$8.7M
+9.0% YoY+3.5% QoQ
|
$-21.5M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$5.5M
+1.8% YoY+0.1% QoQ
|
$-9.8M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$7.5M
+10.9% YoY+4.3% QoQ
|
$-18.3M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
-0.4%
-134.1% YoY-132.6% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.9% in tier |
| NIM |
5.0%
-3.0% YoY-8.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
86.0%
+6.8% YoY+7.7% QoQ
|
-4.6% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.1%
-60.5% YoY-93.9% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
73.9%
-8.2% YoY-4.0% QoQ
|
+15.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$4,802
+10.8% YoY+3.6% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
0.5%
-11.7% YoY-4.0% QoQ
|
-23.8% | 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)