BlastPoint's Credit Union Scorecard

AMERICHOICE

Charter #20041 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

AMERICHOICE has 2 strengths but faces 7 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 0.10% above tier average
+ Net Interest Margin 0.17% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency ratio 3.30% above tier (higher cost structure)
- Delinquency rate 0.47% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	15,813 -0.1% YoY+0.2% QoQ	+667	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	62%
Assets	$240.4M +3.0% YoY+3.1% QoQ	+$8.7M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	61%
Loans	$145.8M -4.4% YoY-2.4% QoQ	+$1.6M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	60%
Deposits	$210.7M +1.7% YoY+3.5% QoQ	+$9.6M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	62%

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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	0.8% -21.1% YoY-13.7% QoQ	+0.1%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	59%
NIM	3.8% -4.5% YoY-6.0% QoQ	+0.2%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	81.3% +6.1% YoY+4.9% QoQ	+3.3%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	60%
Delinquency Rate	1.2% +58.0% YoY+1.7% QoQ	+0.5	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	84%
Loan To Share	69.2% -5.9% YoY-5.7% QoQ	-1.2%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	44%
AMR	$22,545 -0.8% YoY+0.8% QoQ	$-2K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	48%
CD Concentration	14.6% -0.5% YoY-0.6% QoQ	-9.6%	24.3%	15.4%	19.8%	50%
Indirect Auto %	28.4% -4.5% YoY-0.8% QoQ	+14.6%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#136 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): 0.45% 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 | Rank improving

Efficiency Drag

risk

#313 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 81.32%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.22% points

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

worse than tier avg

Member Growth (YoY): -0.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#296 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): 3.00%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 28.37%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.11%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

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

↓ Shrinking -29 CUs YoY | Rank worsening

Margin Compression

decline

#110 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: 0.83%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.05%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.22% 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

Shrinking Wallet Share

decline

#215 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.78%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (2 metrics)

214

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.35%

#214 of 1070 Top 19.9% in 100M-500M tier

225

Share Certificate Concentration (%)

balance_sheet

Value: 14.63%

Peer Median: 23.10%

#225 of 1070 Top 20.9% in 100M-500M tier

Top Weaknesses (4 metrics)

933

Loan Growth Rate

growth

Value: -4.36%

Peer Median: 2.93%

#933 of 1070 Bottom 12.9% in 100M-500M tier

902

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Median: 0.61%

#902 of 1070 Bottom 15.8% in 100M-500M tier

892

AMR Growth Rate

growth

Value: -0.78%

Peer Median: 3.46%

#892 of 1070 Bottom 16.7% in 100M-500M tier

885

Indirect Auto Concentration (%)

balance_sheet

Value: 28.37%

Peer Median: 6.61%

#885 of 1070 Bottom 17.4% in 100M-500M tier