BlastPoint's Credit Union Scorecard
CITADEL
Charter #2099 · PA
CITADEL has 9 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 45.3% in tier
- + Emerging Performer: Top 57.9% in tier
- + Relationship Depth Leader: Top 92.9% in tier
- + Strong member growth: 7.4% YoY
- + Total Loans: Top 0.0% in tier
- + Total Assets: Top 2.9% in tier
- + Loan-to-Share Ratio: Top 2.9% in tier
- + Member Growth Rate: Top 8.6% in tier
- + Total Deposits: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.1% in tier
- - Indirect Auto Dependency: Bottom 70.6% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 3.09% 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 |
285,351
+7.4% YoY+3.4% QoQ
|
-7.0K |
292,342
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$6.6B
+7.4% YoY+1.8% QoQ
|
+$871.4M |
$5.7B
-0.2% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 5.7% in tier |
| Loans |
$5.9B
+9.1% YoY+2.0% QoQ
|
+$1.7B |
$4.2B
-1.6% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Top 2.9% in tier |
| Deposits |
$5.6B
+9.7% YoY+3.4% QoQ
|
+$725.0M |
$4.8B
+0.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Top 11.4% in tier |
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| ROA |
0.5%
-5.5% YoY-15.4% QoQ
|
-0.3% |
0.8%
+27.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
2.5%
+10.3% YoY+0.3% QoQ
|
-0.5% |
3.0%
+8.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
70.4%
+2.3% YoY+4.3% QoQ
|
+3.1% |
67.3%
-3.7% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.3%
-4.5% YoY+5.4% QoQ
|
-0.4 |
0.8%
+17.5% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 11.4% in tier |
| Loan To Share |
105.6%
-0.5% YoY-1.4% QoQ
|
+19.7% |
85.9%
-2.6% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 5.7% in tier |
| AMR |
$40,142
+1.9% YoY-0.7% QoQ
|
+$6K |
$34,289
+3.5% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
32.3%
-2.9% YoY-1.9% QoQ
|
+3.2% | 29.1% | 15.5% | 19.8% | 61% |
| Indirect Auto % |
24.0%
+12.3% YoY-2.6% QoQ
|
+6.9% | 17.1% | 8.1% | 7.8% | 72% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)