BlastPoint's Credit Union Scorecard

PRIORITY FIRST

Charter #19655 · PA

100M-500M

1070 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 0.79% above tier average
+ Net Interest Margin 0.10% above tier average
+ Asset Growth Rate: Top 5.0% in tier
+ Deposit Growth Rate: Top 5.1% in tier
+ Loan Growth Rate: Top 7.0% in tier
+ Efficiency Ratio: Top 8.0% 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
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	16,889 +2.7% YoY+0.5% QoQ	+1.7K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	66%
Assets	$179.4M +12.4% YoY+4.7% QoQ	$-52.3M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	43%
Loans	$119.7M +14.8% YoY+10.7% QoQ	$-24.5M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	49%
Deposits	$156.7M +11.9% YoY+5.2% QoQ	$-44.4M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	44%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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% -10.7% YoY-16.8% QoQ	+0.8%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Top 11.1% in tier
NIM	3.7% -5.7% YoY-3.9% QoQ	+0.1%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	59.6% +1.2% YoY+1.0% QoQ	-18.5%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Top 8.0% in tier
Delinquency Rate	0.6% +60.1% YoY-21.0% QoQ	-0.2	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	46%
Loan To Share	76.3% +2.7% YoY+5.2% QoQ	+5.9%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	58%
AMR	$16,366 +10.2% YoY+7.0% QoQ	$-9K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 14.2% in tier
CD Concentration	24.6% +19.5% YoY+2.7% QoQ	+0.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	27.1% -13.8% YoY-9.3% QoQ	+13.3%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#117 of 491 • 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): 10.20%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Emerging Performer

growth

#51 of 157 • 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: 1.52%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 2.66%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#67 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): 14.84%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.21% 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

Indirect Auto Dependency

risk

#122 of 504 • 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): 12.38%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 27.05%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.66%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Quality Pressure

risk

#322 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): 0.21% 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 | New qualifier

Margin Compression

decline

#63 of 133 • 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: 1.52%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.70%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 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 (7 metrics)

Asset Growth Rate

growth

Value: 12.38%

Peer Median: 3.91%

#55 of 1070 Top 5.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 11.85%

Peer Median: 3.30%

#56 of 1070 Top 5.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 14.84%

Peer Median: 2.93%

#76 of 1070 Top 7.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.55%

Peer Median: 78.68%

#87 of 1070 Top 8.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.20%

Peer Median: 3.46%

#93 of 1070 Top 8.6% in 100M-500M tier

119

Return on Assets (ROA)

profitability

Value: 1.52%

Peer Median: 0.69%

#119 of 1070 Top 11.0% in 100M-500M tier

241

Member Growth Rate

growth

Value: 2.66%

Peer Median: -0.06%

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (3 metrics)

918

Average Member Relationship (AMR)

engagement

Value: $16,366

Peer Median: $22,931

#918 of 1070 Bottom 14.3% in 100M-500M tier

867

Indirect Auto Concentration (%)

balance_sheet

Value: 27.05%

Peer Median: 6.61%

#867 of 1070 Bottom 19.1% in 100M-500M tier

811

Loan-to-Member Ratio (LMR)

engagement

Value: $7,085

Peer Median: $9,356

#811 of 1070 Bottom 24.3% in 100M-500M tier