BlastPoint's Credit Union Scorecard

HIGHWAY

Charter #20691 · PA

<100M

2556 CUs in <100M nationally 190 in PA

HIGHWAY demonstrates 5 strengths

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.57% above tier average
+ Net Interest Margin 0.51% above tier average
+ Deposit Growth Rate: Top 4.0% in tier
+ Asset Growth Rate: Top 4.8% in tier
+ Efficiency Ratio: Top 8.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,512 +0.8% YoY+0.4% QoQ	-103	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	60%
Assets	$34.5M +13.0% YoY+4.1% QoQ	+$4.3M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	64%
Loans	$12.6M -2.6% YoY-2.0% QoQ	$-3.2M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	57%
Deposits	$28.8M +14.6% YoY+5.7% QoQ	+$3.1M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	63%

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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	2.2% +32.8% YoY-9.6% QoQ	+1.6%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Top 5.0% in tier
NIM	4.5% -1.4% YoY-4.8% QoQ	+0.5%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	72%
Efficiency Ratio	57.1% -13.0% YoY+4.6% QoQ	-25.4%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Top 8.8% in tier
Delinquency Rate	1.6% +1772.8% YoY+18.4% QoQ	+0.0	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	72%
Loan To Share	43.6% -15.0% YoY-7.3% QoQ	-17.0%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	24%
AMR	$16,462 +7.9% YoY+2.8% QoQ	+$2K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	64%
CD Concentration	17.8% +6.1% YoY-0.1% QoQ	-6.6%	24.4%	15.5%	19.8%	50%
Indirect Auto %	6.5% -41.6% YoY-0.9% QoQ	-7.3%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (7 metrics)

104

Deposit Growth Rate

growth

Value: 14.59%

Peer Median: -

#104 of 2556 Top 4.0% in <100M tier

124

Asset Growth Rate

growth

Value: 13.02%

Peer Median: -

#124 of 2556 Top 4.8% in <100M tier

128

Return on Assets (ROA)

profitability

Value: 2.19%

Peer Median: -

#128 of 2556 Top 5.0% in <100M tier

225

Efficiency Ratio

profitability

Value: 57.12%

Peer Median: -

#225 of 2556 Top 8.8% in <100M tier

384

AMR Growth Rate

growth

Value: 7.85%

Peer Median: -

#384 of 2556 Top 15.0% in <100M tier

401

Fee Income Per Member

profitability

Value: $146.44

Peer Median: -

#401 of 2556 Top 15.6% in <100M tier

618

Member Growth Rate

growth

Value: 0.84%

Peer Median: -

#618 of 2556 Top 24.1% in <100M tier

Top Weaknesses (2 metrics)

2286

Indirect Auto Concentration (%)

balance_sheet

Value: 6.48%

Peer Median: -

#2286 of 2556 Bottom 10.6% in <100M tier

1941

Loan-to-Share Ratio

balance_sheet

Value: 43.61%

Peer Median: -

#1941 of 2556 Bottom 24.1% in <100M tier