BlastPoint's Credit Union Scorecard
WHEATLAND
Charter #1658 · PA
WHEATLAND faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 5.72% above tier (higher cost structure)
- - Member decline: -6.6% YoY
- - Indirect Auto Concentration (%): Bottom 2.7% in tier
- - Net Worth Ratio: Bottom 7.4% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,019
-6.6% YoY-1.5% QoQ
|
+2.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Top 13.8% in tier |
| Assets |
$68.1M
+1.2% YoY-2.6% QoQ
|
+$38.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 13.0% in tier |
| Loans |
$39.1M
-16.5% YoY-5.0% QoQ
|
+$23.4M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Top 11.0% in tier |
| Deposits |
$62.1M
+0.6% YoY-3.0% QoQ
|
+$36.7M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 10.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+280.2% YoY-3.0% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
39% |
| NIM |
3.8%
-1.4% YoY+3.7% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
87.1%
-1.6% YoY-0.6% QoQ
|
+5.7% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.3%
-56.0% YoY-31.5% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
63.0%
-17.0% YoY-2.1% QoQ
|
+1.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$20,172
-0.2% YoY-2.3% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
21.0%
+13.2% YoY-4.5% QoQ
|
-3.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
41.0%
-12.3% YoY-3.2% QoQ
|
+27.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)