BlastPoint's Credit Union Scorecard
PRIORITY FIRST
Charter #19655 · PA
PRIORITY FIRST has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 1.06% above tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio: Top 6.5% in tier
- + Loan Growth Rate: Top 8.5% in tier
- + Asset Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,803
+3.5% YoY+0.6% QoQ
|
+1.4K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
65% |
| Assets |
$171.3M
+10.8% YoY+3.3% QoQ
|
$-60.6M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$108.1M
+14.3% YoY-1.9% QoQ
|
$-39.3M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
40% |
| Deposits |
$149.0M
+9.9% YoY+3.1% QoQ
|
$-51.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
1.8%
-5.8% YoY-1.4% QoQ
|
+1.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 3.9% in tier |
| NIM |
3.9%
-0.9% YoY-2.9% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
59.0%
+8.1% YoY+2.2% QoQ
|
-18.0% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 6.5% in tier |
| Delinquency Rate |
0.7%
+4.2% YoY+30.0% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
50% |
| Loan To Share |
72.5%
+4.0% YoY-4.9% QoQ
|
+0.3% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$15,300
+7.9% YoY+0.3% QoQ
|
$-9K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
24.0%
+18.7% YoY+6.6% QoQ
|
-0.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
29.8%
-13.7% YoY-0.3% QoQ
|
+16.1% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)