BlastPoint's Credit Union Scorecard

ALLEGENT COMMUNITY

Charter #205 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 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
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.27% below tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	21,927 -10.9% YoY-4.0% QoQ	+6.5K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	81%
Assets	$280.8M -2.6% YoY-0.3% QoQ	+$48.9M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	70%
Loans	$181.7M -5.5% YoY-0.7% QoQ	+$34.4M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	71%
Deposits	$230.2M -4.3% YoY-0.5% QoQ	+$29.4M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% 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	0.5% +614.9% YoY-4.3% QoQ	-0.3%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	30%
NIM	3.5% +19.2% YoY+2.7% QoQ	-0.1%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	43%
Efficiency Ratio	82.9% -11.4% YoY+1.2% QoQ	+5.9%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	0.8% +6.4% YoY-18.4% QoQ	-0.1	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	53%
Loan To Share	79.0% -1.3% YoY-0.3% QoQ	+6.7%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	61%
AMR	$18,786 +6.8% YoY+3.6% QoQ	$-6K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	26%
CD Concentration	32.4% -1.2% YoY-0.8% QoQ	+8.0%	24.4%	15.5%	19.8%	50%
Indirect Auto %	43.3% +1.4% YoY-1.3% QoQ	+29.6%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#341 of 513 • 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): 6.82%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (7)

Membership Headwinds

decline

#32 of 554 • 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): -10.91%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#35 of 554 • 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): -10.91%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.76%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#23 of 240 • 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: $280.80M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -10.91%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.50%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Indirect Auto Dependency

risk

#199 of 506 • 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): -2.65%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 43.35%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -10.91%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Liquidity Overhang

risk

#98 of 135 • 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: 17.23%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 78.95%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY

Credit Quality Pressure

risk

#604 of 705 • 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: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Efficiency Drag

risk

#518 of 538 • 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: 82.94%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.42% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -10.91%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (3 metrics)

Net Worth Ratio

risk

Value: 17.23%

Peer Median: -

#75 of 1069 Top 6.9% in 100M-500M tier

201

Total Members

engagement

Value: 21,927

Peer Median: -

#201 of 1069 Top 18.7% in 100M-500M tier

243

Members Per Employee (MPE)

engagement

Value: 384.684

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1040

Member Growth Rate

growth

Value: -10.91%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1024

Deposit Growth Rate

growth

Value: -4.29%

Peer Median: -

#1024 of 1069 Bottom 4.3% in 100M-500M tier

1002

Indirect Auto Concentration (%)

balance_sheet

Value: 43.35%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

999

Asset Growth Rate

growth

Value: -2.65%

Peer Median: -

#999 of 1069 Bottom 6.6% in 100M-500M tier

956

Loan Growth Rate

growth

Value: -5.50%

Peer Median: -

#956 of 1069 Bottom 10.7% in 100M-500M tier

844

Share Certificate Concentration (%)

balance_sheet

Value: 32.40%

Peer Median: -

#844 of 1069 Bottom 21.1% in 100M-500M tier