BlastPoint's Credit Union Scorecard

INSPIRE

Charter #1759 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

INSPIRE has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

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: 7.8% YoY
+ Net Charge-Off Rate: Top 2.1% in tier
+ Loan-to-Share Ratio: Top 2.4% in tier
+ Member Growth Rate: Top 5.5% in tier
+ Total Loans: Top 7.1% in tier
+ Loan-to-Member Ratio (LMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- ROA 0.09% below tier average
- Efficiency ratio 1.33% above tier (higher cost structure)
- AMR Growth Rate: Bottom 4.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	18,153 +7.8% YoY+1.6% QoQ	+3.0K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	70%
Assets	$397.1M +6.3% YoY-2.0% QoQ	+$165.4M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Top 11.6% in tier
Loans	$286.2M +1.5% YoY+1.3% QoQ	+$142.1M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Top 7.2% in tier
Deposits	$291.5M +1.3% YoY-1.8% QoQ	+$90.3M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	79%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -15.6% YoY+8.6% QoQ	-0.1%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	45%
NIM	3.1% +5.9% YoY+4.1% QoQ	-0.5%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	79.4% -2.8% YoY-2.9% QoQ	+1.3%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.7% +85.0% YoY+29.1% QoQ	+0.0	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	61%
Loan To Share	98.2% +0.2% YoY+3.2% QoQ	+27.8%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Top 2.5% in tier
AMR	$31,824 -5.9% YoY-1.9% QoQ	+$7K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Top 14.8% in tier
CD Concentration	27.3% -5.5% YoY+11.4% QoQ	+3.1%	24.3%	15.4%	19.8%	50%
Indirect Auto %	6.9% -23.6% YoY-7.2% QoQ	-6.9%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#39 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 6.89%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#148 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.64%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 6.89%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (5)

Shrinking Wallet Share

decline

#52 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.91%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#195 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Liquidity Strain

risk

#73 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.20%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.52%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Credit Risk Growth

risk

#300 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.52%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Wealth Migration Risk

decline

#13 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $31.8K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -5.91%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (9 metrics)

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.35%

#24 of 1070 Top 2.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.20%

Peer Median: 71.88%

#27 of 1070 Top 2.4% in 100M-500M tier

Member Growth Rate

growth

Value: 7.77%

Peer Median: -0.06%

#60 of 1070 Top 5.5% in 100M-500M tier

Total Loans

balance_sheet

Value: $286.22M

Peer Median: $121.41M

#77 of 1070 Top 7.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,767

Peer Median: $9,356

#97 of 1070 Top 9.0% in 100M-500M tier

124

Total Assets

balance_sheet

Value: $397.07M

Peer Median: $196.57M

#124 of 1070 Top 11.5% in 100M-500M tier

158

Average Member Relationship (AMR)

engagement

Value: $31,824

Peer Median: $22,931

#158 of 1070 Top 14.7% in 100M-500M tier

209

Members Per Employee (MPE)

engagement

Value: 403.400

Peer Median: 309.176

#209 of 1070 Top 19.4% in 100M-500M tier

222

Total Deposits

balance_sheet

Value: $291.48M

Peer Median: $171.29M

#222 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1023

AMR Growth Rate

growth

Value: -5.91%

Peer Median: 3.46%

#1023 of 1070 Bottom 4.5% in 100M-500M tier

849

Net Interest Margin (NIM)

profitability

Value: 3.12%

Peer Median: 3.62%

#849 of 1070 Bottom 20.7% in 100M-500M tier