BlastPoint's Credit Union Scorecard

ARMSTRONG CO. FEDERAL EMP.

Charter #19745 · PA

<100M

2508 CUs in <100M nationally 186 in PA

ARMSTRONG CO. FEDERAL EMP. has 1 strength but faces 2 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

+ ROA 0.44% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.9% YoY
- Loan-to-Share Ratio: Bottom 6.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,083 -2.9% YoY-0.5% QoQ	-593	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	53%
Assets	$17.7M +1.8% YoY+2.2% QoQ	$-12.5M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	45%
Loans	$3.4M +2.6% YoY-3.6% QoQ	$-11.9M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	26%
Deposits	$15.0M +1.0% YoY+2.4% QoQ	$-10.8M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	45%

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	0.6% -60.2% YoY-47.4% QoQ	+0.4%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	49%
NIM	2.8% -10.0% YoY-6.9% QoQ	-1.2%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 13.5% in tier
Efficiency Ratio	80.3% +20.0% YoY+20.6% QoQ	-10.3%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	0.2% -72.1% YoY-74.8% QoQ	-1.3	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	30%
Loan To Share	22.9% +1.6% YoY-5.8% QoQ	-35.6%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 6.3% in tier
AMR	$8,836 +4.3% YoY+1.8% QoQ	$-6K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	22%
CD Concentration	0.0%	-24.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

323

Members Per Employee (MPE)

engagement

Value: 520.750

Peer Median: 333.750

#323 of 2508 Top 12.8% in <100M tier

Top Weaknesses (6 metrics)

2348

Loan-to-Share Ratio

balance_sheet

Value: 22.89%

Peer Median: 58.72%

#2348 of 2508 Bottom 6.4% in <100M tier

2251

Loan-to-Member Ratio (LMR)

engagement

Value: $1,646

Peer Median: $4,923

#2251 of 2508 Bottom 10.3% in <100M tier

2173

Net Charge-Off Rate

risk

Value: 1.04%

Peer Median: 0.07%

#2173 of 2508 Bottom 13.4% in <100M tier

2170

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Median: 3.83%

#2170 of 2508 Bottom 13.5% in <100M tier

1951

Average Member Relationship (AMR)

engagement

Value: $8,836

Peer Median: $13,926

#1951 of 2508 Bottom 22.2% in <100M tier

1945

Fee Income Per Member

profitability

Value: $13.12

Peer Median: $60.42

#1945 of 2508 Bottom 22.5% in <100M tier