BlastPoint's Credit Union Scorecard
INSPIRE
Charter #1759 · PA
INSPIRE has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Strong member growth: 6.8% YoY
- + Loan-to-Share Ratio: Top 1.6% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
- + Member Growth Rate: Top 5.9% in tier
- + Total Loans: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Capital Constraint: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Wealth Migration Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits -7.5% year over year ($278M in shares and deposits).
- Membership: 18,429 members, +6.8% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 0.53%.
- Efficiency ratio 81.79% vs a 76.73% peer average.
- Loan-to-share ratio 104.08% vs a 71.54% 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 |
18,429
+6.8% YoY+1.5% QoQ
|
+3.3K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$392.1M
+0.7% YoY-1.3% QoQ
|
+$160.1M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 12.3% in tier |
| Loans |
$289.1M
+4.5% YoY+1.0% QoQ
|
+$142.8M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 7.7% in tier |
| Deposits |
$277.8M
-7.5% YoY-4.7% QoQ
|
+$77.0M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
0.5%
-5.7% YoY-16.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
3.1%
+6.9% YoY+0.6% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
81.8%
-4.5% YoY+3.1% QoQ
|
+5.1% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.9%
+57.3% YoY+25.1% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
104.1%
+12.9% YoY+6.0% QoQ
|
+32.5% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 1.7% in tier |
| AMR |
$30,758
-8.0% YoY-3.3% QoQ
|
+$6K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
29.0%
+4.7% YoY+6.3% QoQ
|
+4.5% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
6.2%
-23.8% YoY-9.7% QoQ
|
-7.4% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (8)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)