BlastPoint's Credit Union Scorecard
PATRIOT
Charter #16574 · PA
PATRIOT has 5 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 28.0% in tier
- + Wallet Share Momentum: Top 31.2% in tier
- + ROA 0.25% above tier average
- + Total Delinquency Rate (60+ days): Top 6.7% in tier
- + First Mortgage Concentration (%): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 18.8% in tier
- - Indirect Auto Concentration (%): Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
- Shares and deposits +9.9% year over year ($1.19B in shares and deposits).
- Membership: 82,219 members, +2.5% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 1.07%.
- Efficiency ratio 69.89% vs a 73.02% peer average.
- Loan-to-share ratio 82.12% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82,219
+2.5% YoY+0.6% QoQ
|
-14.6K |
96,861
-1.9% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$1.3B
+9.9% YoY+0.8% QoQ
|
$-384.8M |
$1.7B
+0.4% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$979.5M
+6.1% YoY+2.0% QoQ
|
$-254.7M |
$1.2B
+0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$1.2B
+9.9% YoY+0.6% QoQ
|
$-270.6M |
$1.5B
+0.5% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
1.1%
+44.1% YoY-12.4% QoQ
|
+0.3% |
0.8%
+27.6% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.3%
+0.7% YoY+2.7% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
69.9%
-3.2% YoY+4.6% QoQ
|
-3.1% |
73.0%
-2.7% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.3%
-23.3% YoY-12.8% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 6.7% in tier |
| Loan To Share |
82.1%
-3.5% YoY+1.4% QoQ
|
-2.6% |
84.7%
+0.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$26,421
+5.6% YoY+0.6% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
38.8%
+8.1% YoY+0.4% QoQ
|
+9.7% | 29.1% | 15.6% | 20.0% | Top 12.5% in tier |
| Indirect Auto % |
53.0%
-0.0% YoY-0.1% QoQ
|
+34.9% | 18.1% | 8.4% | 7.7% | Bottom 2.7% in tier |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)