BlastPoint's Credit Union Scorecard
PATRIOT
Charter #16574 · PA
PATRIOT has 6 strengths but faces 2 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.9% in tier
- + Credit Quality Leader: Top 46.8% in tier
- + Wallet Share Momentum: Top 67.0% in tier
- + Emerging Performer: Top 67.6% in tier
- + ROA 0.23% above tier average
- + First Mortgage Concentration (%): Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.7% in tier
- - Indirect Auto Concentration (%): Bottom 2.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,838
+2.1% YoY+0.7% QoQ
|
-17.8K |
98,678
-1.9% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$1.3B
+8.4% YoY+2.7% QoQ
|
$-467.7M |
$1.7B
+0.5% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$947.5M
+7.7% YoY+2.6% QoQ
|
$-285.5M |
$1.2B
+0.5% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$1.1B
+10.0% YoY+2.6% QoQ
|
$-340.9M |
$1.5B
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
33% |
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| ROA |
0.9%
-7.0% YoY+25.8% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
71% |
| NIM |
3.3%
+5.6% YoY-0.1% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
69.3%
-3.3% YoY-3.9% QoQ
|
-4.6% |
74.0%
-10.9% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.3%
-7.5% YoY-15.1% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.2% in tier |
| Loan To Share |
85.1%
-2.1% YoY+0.0% QoQ
|
-0.1% |
85.2%
-0.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$25,495
+6.6% YoY+1.9% QoQ
|
$-4K |
$29,172
+2.8% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
39% |
| CD Concentration |
38.9%
+7.4% YoY+8.2% QoQ
|
+9.9% |
29.0%
+0.7% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
Top 14.2% in tier |
| Indirect Auto % |
53.1%
+1.1% YoY+0.3% QoQ
|
+34.4% |
18.8%
-3.0% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
Top 2.1% in tier |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
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)