BlastPoint's Credit Union Scorecard
PATRIOT
Charter #16574 · PA
PATRIOT has 4 strengths but faces 4 concerns
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 15.9% in tier
- + Wallet Share Momentum: Top 22.1% in tier
- + ROA 0.50% above tier average
- + First Mortgage Concentration (%): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.6% in tier
- - Credit Quality Pressure: Bottom 36.6% in tier
- - Credit Risk Growth: Bottom 46.1% in tier
- - Indirect Auto Concentration (%): Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,733
+2.5% YoY+0.6% QoQ
|
-14.3K |
96,048
-2.7% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$1.3B
+11.2% YoY+2.9% QoQ
|
$-391.2M |
$1.7B
+0.4% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$960.2M
+6.5% YoY+0.6% QoQ
|
$-253.5M |
$1.2B
+0.2% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$1.2B
+11.4% YoY+3.2% QoQ
|
$-280.1M |
$1.5B
+0.5% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
1.2%
+65.4% YoY+42.0% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 15.0% in tier |
| NIM |
3.2%
-1.3% YoY-0.2% QoQ
|
-0.2% |
3.4%
+6.2% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
37% |
| Efficiency Ratio |
66.8%
-7.4% YoY-5.9% QoQ
|
-7.8% |
74.6%
-3.0% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.3%
+40.8% YoY-15.5% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 14.1% in tier |
| Loan To Share |
81.0%
-4.4% YoY-2.5% QoQ
|
-2.2% |
83.2%
-0.4% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$26,252
+6.4% YoY+1.5% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
39% |
| CD Concentration |
38.7%
+10.4% YoY-0.7% QoQ
|
+9.8% | 28.8% | 15.4% | 19.8% | Top 12.5% in tier |
| Indirect Auto % |
53.1%
+1.1% YoY+0.2% QoQ
|
+35.0% | 18.1% | 8.3% | 7.7% | Bottom 2.6% 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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)