BlastPoint's Credit Union Scorecard
CITADEL
Charter #2099 · PA
CITADEL has 6 strengths but faces 3 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 23.7% in tier
- + Relationship Depth Leader: Top 38.5% in tier
- + Credit Quality Leader: Top 80.0% in tier
- + Emerging Performer: Top 85.0% in tier
- + Loan-to-Share Ratio: Top 0.0% in tier
- + Total Loans: Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.2% in tier
- - Indirect Auto Dependency: Bottom 16.2% in tier
- - ROA 0.21% below tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
275,891
+4.4% YoY+1.7% QoQ
|
-13.8K |
289,724
-2.8% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$6.5B
+7.6% YoY+1.8% QoQ
|
+$708.2M |
$5.8B
+0.2% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 14.7% in tier |
| Loans |
$5.8B
+9.4% YoY+3.2% QoQ
|
+$1.7B |
$4.1B
-3.1% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Top 2.9% in tier |
| Deposits |
$5.4B
+8.6% YoY+0.3% QoQ
|
+$499.0M |
$4.9B
+2.2% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.6%
-0.9% YoY+11.5% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
2.5%
+9.5% YoY+1.6% QoQ
|
-0.4% |
2.9%
+3.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
67.5%
-1.3% YoY-2.7% QoQ
|
-0.7% |
68.1%
-1.7% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
41% |
| Delinquency Rate |
0.3%
-18.1% YoY+1.3% QoQ
|
-0.3 |
0.6%
-2.2% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
18% |
| Loan To Share |
107.0%
+0.7% YoY+2.9% QoQ
|
+23.4% |
83.6%
-5.7% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Top 2.9% in tier |
| AMR |
$40,428
+4.4% YoY+0.0% QoQ
|
+$6K |
$34,398
+4.0% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
33.0%
+0.4% YoY+1.8% QoQ
|
+4.1% |
28.9%
-1.3% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
66% |
| Indirect Auto % |
24.7%
+7.9% YoY+0.8% QoQ
|
+8.1% |
16.6%
-10.3% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
70% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (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)