BlastPoint's Credit Union Scorecard

ALLEGENT COMMUNITY

Charter #205 · PA

100M-500M

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

ALLEGENT COMMUNITY has 2 strengths but faces 8 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
+ Net Worth Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.59% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	21,845 -10.6% YoY-0.4% QoQ	+6.7K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	83%
Assets	$282.2M -4.2% YoY+0.5% QoQ	+$50.4M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	71%
Loans	$184.2M -2.6% YoY+1.4% QoQ	+$40.0M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	72%
Deposits	$231.6M -5.7% YoY+0.6% QoQ	+$30.4M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	66%

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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	0.1% -19.2% YoY-71.4% QoQ	-0.6%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Bottom 13.6% in tier
NIM	3.4% +6.5% YoY-1.4% QoQ	-0.2%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	39%
Efficiency Ratio	93.1% +1.3% YoY+12.2% QoQ	+15.0%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Bottom 9.3% in tier
Delinquency Rate	0.7% +7.1% YoY-3.3% QoQ	+0.0	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	60%
Loan To Share	79.5% +3.3% YoY+0.7% QoQ	+9.1%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	67%
AMR	$19,033 +6.9% YoY+1.3% QoQ	$-6K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	27%
CD Concentration	32.0% -1.3% YoY-1.3% QoQ	+7.7%	24.3%	15.4%	19.8%	50%
Indirect Auto %	43.6% -1.6% YoY+0.6% QoQ	+29.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#284 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): 6.94%

(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

Concerns (7)

Membership Headwinds

decline

#29 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -10.57%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#39 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -10.57%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.59%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#48 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $282.15M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -10.57%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.59%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#148 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: 93.06%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.03% points

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

worse than tier avg

Member Growth (YoY): -10.57%

(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 | Rank worsening

Indirect Auto Dependency

risk

#189 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): -4.25%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 43.62%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -10.57%

(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

Liquidity Overhang

risk

#102 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.18%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 79.54%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#589 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): 0.05% 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 worsening

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 (3 metrics)

Net Worth Ratio

risk

Value: 17.18%

Peer Median: 11.45%

#75 of 1070 Top 6.9% in 100M-500M tier

186

Total Members

engagement

Value: 21,845

Peer Median: 13,200

#186 of 1070 Top 17.3% in 100M-500M tier

217

AMR Growth Rate

growth

Value: 6.94%

Peer Median: 3.46%

#217 of 1070 Top 20.2% in 100M-500M tier

Top Weaknesses (9 metrics)

1043

Member Growth Rate

growth

Value: -10.57%

Peer Median: -0.06%

#1043 of 1070 Bottom 2.6% in 100M-500M tier

1037

Deposit Growth Rate

growth

Value: -5.73%

Peer Median: 3.30%

#1037 of 1070 Bottom 3.2% in 100M-500M tier

1027

Asset Growth Rate

growth

Value: -4.25%

Peer Median: 3.91%

#1027 of 1070 Bottom 4.1% in 100M-500M tier

1014

Fee Income Per Member

profitability

Value: $62.96

Peer Median: $154.95

#1014 of 1070 Bottom 5.3% in 100M-500M tier

1007

Indirect Auto Concentration (%)

balance_sheet

Value: 43.62%

Peer Median: 6.61%

#1007 of 1070 Bottom 6.0% in 100M-500M tier

971

Efficiency Ratio

profitability

Value: 93.06%

Peer Median: 78.68%

#971 of 1070 Bottom 9.3% in 100M-500M tier

925

Return on Assets (ROA)

profitability

Value: 0.14%

Peer Median: 0.69%

#925 of 1070 Bottom 13.6% in 100M-500M tier

866

Loan Growth Rate

growth

Value: -2.59%

Peer Median: 2.93%

#866 of 1070 Bottom 19.2% in 100M-500M tier

833

Share Certificate Concentration (%)

balance_sheet

Value: 31.99%

Peer Median: 23.10%

#833 of 1070 Bottom 22.2% in 100M-500M tier