BlastPoint's Credit Union Scorecard

INSPIRE

Charter #1759 · PA

1077 CUs in 100M-500M nationally 61 in PA

INSPIRE has 6 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 3.1% in tier
+ Organic Growth Engine: Top 10.5% in tier
+ Strong member growth: 7.8% YoY
+ Member Growth Rate: Top 4.8% in tier
+ Loan-to-Share Ratio: Top 7.6% in tier
+ Loan-to-Member Ratio (LMR): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 9.5% in tier
- Wealth Migration Risk: Bottom 14.5% in tier
- Credit Quality Pressure: Bottom 14.6% in tier
- Liquidity Strain: Bottom 22.6% in tier
- Efficiency Drag: Bottom 26.3% in tier
- ROA 0.14% below tier average
- Efficiency ratio 5.18% above tier (higher cost structure)
- AMR Growth Rate: Bottom 6.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	17,580 +7.8% YoY+1.9% QoQ	+2.0K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	66%
Assets	$374.9M +5.2% YoY-3.7% QoQ	+$143.6M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Top 14.3% in tier
Loans	$272.6M -0.6% YoY-1.5% QoQ	+$124.8M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Top 10.1% in tier
Deposits	$287.8M +8.7% YoY-4.1% QoQ	+$87.5M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% 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% +40.6% YoY+14.7% QoQ	-0.1%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	42%
NIM	3.0% +4.3% YoY+2.1% QoQ	-0.6%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	20%
Efficiency Ratio	82.5% +2.5% YoY-3.7% QoQ	+5.2%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	69%
Delinquency Rate	0.6% +45.7% YoY+6.2% QoQ	-0.2	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	47%
Loan To Share	94.7% -8.6% YoY+2.7% QoQ	+22.0%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Top 7.7% in tier
AMR	$31,879 -3.5% YoY-4.7% QoQ	+$8K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Top 13.1% in tier
CD Concentration	25.7% +0.2% YoY-7.5% QoQ	+1.3%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	6.5% -55.4% YoY-20.8% QoQ	-7.5%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#42 of 430 • Top 3.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.77%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 6.47%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#194 of 603 • Top 10.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.77%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.65%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 6.47%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (5)

Shrinking Wallet Share

decline

#96 of 244 • Bottom 9.5% in tier

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

Why This Signature

AMR Growth (YoY): -3.50%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Wealth Migration Risk

decline

#17 of 28 • Bottom 14.5% in tier

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

Why This Signature

Avg Member Relationship: $31.9K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -3.50%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#362 of 736 • Bottom 14.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Strain

risk

#176 of 258 • Bottom 22.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.71%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -0.57%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Efficiency Drag

risk

#464 of 521 • Bottom 26.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.46%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.19% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 7.77%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 7.77%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.71%

Peer Avg: -

#83 of 1077 Top 7.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,506

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

109

Total Loans

balance_sheet

Value: $272.59M

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

141

Average Member Relationship (AMR)

engagement

Value: $31,879

Peer Avg: -

#141 of 1077 Top 13.0% in 100M-500M tier

154

Total Assets

balance_sheet

Value: $374.87M

Peer Avg: -

#154 of 1077 Top 14.2% in 100M-500M tier

181

Deposit Growth Rate

growth

Value: 8.74%

Peer Avg: -

#181 of 1077 Top 16.7% in 100M-500M tier

216

Net Charge-Off Rate

risk

Value: 0.14%

Peer Avg: -

#216 of 1077 Top 20.0% in 100M-500M tier

223

Total Deposits

balance_sheet

Value: $287.83M

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

Top Weaknesses (2 metrics)

1006

AMR Growth Rate

growth

Value: -3.50%

Peer Avg: -

#1006 of 1077 Bottom 6.7% in 100M-500M tier

867

Net Interest Margin (NIM)

profitability

Value: 2.99%

Peer Avg: -

#867 of 1077 Bottom 19.6% in 100M-500M tier