BlastPoint's Credit Union Scorecard

PRIORITY FIRST

Charter #19655 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

PRIORITY FIRST has 8 strengths but faces 4 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ ROA 0.67% above tier average
+ Deposit Growth Rate: Top 2.7% in tier
+ Asset Growth Rate: Top 2.9% in tier
+ AMR Growth Rate: Top 6.0% in tier
+ Loan Growth Rate: Top 6.1% in tier
+ Efficiency Ratio: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: 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 +15.2% year over year ($164M in shares and deposits).
Membership: 17,038 members, +2.8% vs a year ago.
Delinquency rate 0.81%.
Return on assets 1.53%.
Efficiency ratio 60.80% vs a 76.73% peer average.
Loan-to-share ratio 77.64% 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	17,038 +2.8% YoY+0.9% QoQ	+1.9K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	66%
Assets	$187.3M +15.3% YoY+4.4% QoQ	$-44.7M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	46%
Loans	$127.2M +16.2% YoY+6.3% QoQ	$-19.1M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	52%
Deposits	$163.8M +15.2% YoY+4.5% QoQ	$-36.9M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% -12.1% YoY+0.9% QoQ	+0.7%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Top 11.8% in tier
NIM	3.7% -6.7% YoY-0.1% QoQ	+0.0%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	53%
Efficiency Ratio	60.8% +1.9% YoY+2.1% QoQ	-15.9%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 9.1% in tier
Delinquency Rate	0.8% +19.4% YoY+44.6% QoQ	-0.1	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	57%
Loan To Share	77.6% +0.9% YoY+1.7% QoQ	+6.1%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	59%
AMR	$17,081 +12.5% YoY+4.4% QoQ	$-8K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	16%
CD Concentration	26.3% +23.6% YoY+6.8% QoQ	+1.7%	24.6%	15.6%	20.0%	50%
Indirect Auto %	26.9% -11.4% YoY-0.6% QoQ	+13.3%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#77 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 12.51%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank improving

Emerging Performer

growth

#50 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.79%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#104 of 472 • 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): 16.21%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#109 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 15.27%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 26.90%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.79%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Margin Compression

decline

#59 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.74%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#436 of 693 • 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): 0.13% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (7 metrics)

Deposit Growth Rate

growth

Value: 15.20%

Peer Median: 3.58%

#29 of 1024 Top 2.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 15.27%

Peer Median: 4.12%

#31 of 1024 Top 2.9% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.51%

Peer Median: 3.53%

#62 of 1024 Top 6.0% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.21%

Peer Median: 3.02%

#63 of 1024 Top 6.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 60.80%

Peer Median: 77.26%

#94 of 1024 Top 9.1% in 100M-500M tier

121

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: 0.75%

#121 of 1024 Top 11.7% in 100M-500M tier

212

Member Growth Rate

growth

Value: 2.79%

Peer Median: -0.03%

#212 of 1024 Top 20.6% in 100M-500M tier

Top Weaknesses (2 metrics)

855

Average Member Relationship (AMR)

engagement

Value: $17,081

Peer Median: $23,006

#855 of 1024 Bottom 16.6% in 100M-500M tier

833

Indirect Auto Concentration (%)

balance_sheet

Value: 26.90%

Peer Median: 6.15%

#833 of 1024 Bottom 18.8% in 100M-500M tier