BlastPoint's Credit Union Scorecard
PATRIOT
Charter #16574 · PA
PATRIOT has 5 strengths but faces 4 concerns
How does the industry compare?
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 59.8% in tier
- + Emerging Performer: Top 67.1% in tier
- + Organic Growth Engine: Top 73.6% in tier
- + ROA 0.18% above tier average
- + First Mortgage Concentration (%): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 1.5% in tier
- - Credit Risk Growth: Bottom 72.4% in tier
- - Credit Quality Pressure: Bottom 85.7% in tier
- - Indirect Auto Concentration (%): Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,278
+2.4% YoY+0.5% QoQ
|
-16.2K |
97,431
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$1.3B
+11.6% YoY+3.1% QoQ
|
$-432.5M |
$1.7B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
30% |
| Loans |
$954.4M
+8.1% YoY+0.7% QoQ
|
$-280.0M |
$1.2B
+0.5% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$1.1B
+11.5% YoY+3.1% QoQ
|
$-310.9M |
$1.5B
+0.9% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
0.9%
-5.8% YoY-7.9% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
3.2%
+3.2% YoY-1.7% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
40% |
| Efficiency Ratio |
71.0%
-2.3% YoY+2.4% QoQ
|
-3.0% |
74.1%
-9.5% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.3%
+15.3% YoY+22.7% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.2% in tier |
| Loan To Share |
83.1%
-3.1% YoY-2.3% QoQ
|
-1.7% |
84.8%
-0.8% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$25,872
+7.3% YoY+1.5% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
39.0%
+8.4% YoY+0.3% QoQ
|
+9.9% | 29.0% | 15.5% | 19.8% | Top 13.6% in tier |
| Indirect Auto % |
52.9%
+0.0% YoY-0.4% QoQ
|
+34.6% | 18.3% | 8.1% | 7.8% | Top 2.1% in tier |
Signature Analysis
Strengths (3)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)