BlastPoint's Credit Union Scorecard
HILL DISTRICT
Charter #20354 · PA
HILL DISTRICT has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.5% YoY
- + Members Per Employee (MPE): Top 6.0% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 0.50% above tier (higher cost structure)
- - Delinquency rate 24.69% above tier average
- - Total Delinquency Rate (60+ days): Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.1% in tier
- - Average Member Relationship (AMR): Bottom 6.3% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -1.4% year over year ($11.7M in shares and deposits).
- Membership: 3,883 members, +5.5% vs a year ago.
- Delinquency rate 26.24%.
- Return on assets 0.52%.
- Efficiency ratio 89.26% vs a 88.77% peer average.
- Loan-to-share ratio 34.84% vs a 58.89% 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 |
3,883
+5.5% YoY+1.6% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$16.5M
-1.3% YoY-1.6% QoQ
|
$-13.8M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$4.1M
-4.5% YoY-5.4% QoQ
|
$-11.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$11.7M
-1.4% YoY-2.7% QoQ
|
$-14.1M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.5%
-24.0% YoY-37.5% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.0%
+8.1% YoY-1.9% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
89.3%
+8.4% YoY+6.0% QoQ
|
+0.5% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
26.2%
-4.5% YoY+2.7% QoQ
|
+24.7 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 0.7% in tier |
| Loan To Share |
34.8%
-3.2% YoY-2.7% QoQ
|
-24.1% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$4,079
-7.3% YoY-5.0% QoQ
|
$-11K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
7.6%
+4.8% YoY-2.6% QoQ
|
-17.0% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)