BlastPoint's Credit Union Scorecard
CHROME
Charter #20558 · PA
CHROME has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 0.69% above tier average
- + Strong member growth: 13.6% YoY
- + Member Growth Rate: Top 2.1% in tier
- + Deposit Growth Rate: Top 2.1% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + Loan Growth Rate: Top 5.9% 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 0.28% below tier average
- - Efficiency ratio 6.02% above tier (higher cost structure)
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +17.9% year over year ($188M in shares and deposits).
- Membership: 15,432 members, +13.6% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 0.58%.
- Efficiency ratio 82.75% vs a 76.73% peer average.
- Loan-to-share ratio 82.11% vs a 71.54% 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 |
15,432
+13.6% YoY-0.1% QoQ
|
+263 |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
60% |
| Assets |
$223.6M
+12.9% YoY-0.2% QoQ
|
$-8.4M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
57% |
| Loans |
$154.4M
+16.3% YoY+4.2% QoQ
|
+$8.1M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
63% |
| Deposits |
$188.0M
+17.9% YoY-0.5% QoQ
|
$-12.7M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
55% |
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| ROA |
0.6%
+26.9% YoY+50.7% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
4.4%
+13.6% YoY+0.1% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
82.8%
-5.4% YoY-3.3% QoQ
|
+6.0% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.9%
+89.9% YoY+14.6% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
82.1%
-1.4% YoY+4.7% QoQ
|
+10.6% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$22,184
+3.2% YoY+1.7% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
23.3%
-13.9% YoY+2.2% QoQ
|
-1.2% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
18.0%
+3.4% YoY+0.2% QoQ
|
+4.4% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)