BlastPoint's Credit Union Scorecard

CHROME

Charter #20558 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

CHROME has 5 strengths but faces 6 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

+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.28% above tier average
+ Strong member growth: 13.1% YoY
+ Deposit Growth Rate: Top 2.2% in tier
+ Member Growth Rate: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Efficiency ratio 9.76% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	15,582 +13.1% YoY-0.6% QoQ	+144	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	60%
Assets	$218.3M +9.5% YoY+0.0% QoQ	$-13.6M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	56%
Loans	$145.3M +10.8% YoY+1.4% QoQ	$-2.0M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	59%
Deposits	$183.4M +18.1% YoY+0.7% QoQ	$-17.4M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	54%

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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% -36.2% YoY+2.2% QoQ	-0.3%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	31%
NIM	3.9% -4.3% YoY+0.3% QoQ	+0.3%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	67%
Efficiency Ratio	86.8% +4.9% YoY-0.8% QoQ	+9.8%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	83%
Delinquency Rate	0.6% +48.3% YoY-17.7% QoQ	-0.3	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	40%
Loan To Share	79.3% -6.2% YoY+0.7% QoQ	+7.0%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	62%
AMR	$21,097 +1.4% YoY+1.6% QoQ	$-4K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	41%
CD Concentration	23.6% -13.5% YoY-8.0% QoQ	-0.8%	24.4%	15.5%	19.8%	50%
Indirect Auto %	17.2% +2.1% YoY-0.1% QoQ	+3.5%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#99 of 182 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.50%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 13.09%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#116 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 10.76%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#378 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): 0.19% 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 improving

Indirect Auto Dependency

risk

#394 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): 9.49%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 17.24%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 13.09%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#420 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: 86.78%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.28% points

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

worse than tier avg

Member Growth (YoY): 13.09%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (5 metrics)

Deposit Growth Rate

growth

Value: 18.08%

Peer Median: -

#25 of 1069 Top 2.2% in 100M-500M tier

Member Growth Rate

growth

Value: 13.09%

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

147

Net Worth Ratio

risk

Value: 15.38%

Peer Median: -

#147 of 1069 Top 13.7% in 100M-500M tier

151

Loan Growth Rate

growth

Value: 10.76%

Peer Median: -

#151 of 1069 Top 14.0% in 100M-500M tier

162

Asset Growth Rate

growth

Value: 9.49%

Peer Median: -

#162 of 1069 Top 15.1% in 100M-500M tier

Top Weaknesses (1 metrics)

889

Efficiency Ratio

profitability

Value: 86.78%

Peer Median: -

#889 of 1069 Bottom 16.9% in 100M-500M tier