BlastPoint's Credit Union Scorecard

CITADEL

Charter #2099 · PA

Large 5B-7B
37 CUs in 5B-7B nationally 2 in PA
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CITADEL has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?
Large Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 51.6% in tier
  • + Strong member growth: 6.4% YoY
  • + Total Assets: Top 0.1% in tier
  • + Total Loans: Top 0.1% in tier
  • + Loan-to-Share Ratio: Top 2.7% in tier
  • + Total Deposits: Top 8.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 3.0% in tier
  • - Indirect Auto Dependency: Bottom 35.9% in tier
  • - ROA 0.42% below tier average
  • - Efficiency ratio 8.47% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 285,311
+6.4% YoY-0.0% QoQ
 -22.5K 307,793
+7.6% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 38%
Assets $6.8B
+7.7% YoY+2.3% QoQ
 +$996.4M $5.8B
-0.2% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 Top 2.7% in tier
Loans $5.9B
+9.7% YoY+1.1% QoQ
 +$1.8B $4.2B
+0.4% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 Top 2.7% in tier
Deposits $5.7B
+9.0% YoY+2.7% QoQ
 +$829.0M $4.9B
+0.2% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 Top 10.8% in tier

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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 0.4%
-34.5% YoY-12.8% QoQ
 -0.4% 0.9%
+47.0% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 19%
NIM 2.6%
+7.0% YoY+3.9% QoQ
 -0.5% 3.2%
+9.8% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 22%
Efficiency Ratio 75.1%
+13.0% YoY+6.7% QoQ
 +8.5% 66.6%
-11.0% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 76%
Delinquency Rate 0.3%
-7.1% YoY-9.3% QoQ
 -0.4 0.7%
+23.3% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 Top 10.8% in tier
Loan To Share 103.9%
+0.6% YoY-1.6% QoQ
 +19.2% 84.7%
-0.7% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 Top 5.4% in tier
AMR $40,911
+2.7% YoY+1.9% QoQ
 +$9K $32,237
-7.3% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 Top 13.5% in tier
CD Concentration 31.6%
-3.1% YoY-2.4% QoQ
 +2.9% 28.6% 15.4% 19.8% 61%
Indirect Auto % 23.7%
-1.5% YoY-1.5% QoQ
 +7.3% 16.4% 8.3% 7.7% 73%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth
#15 of 16 • Top 51.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 2.75%
(Tier: 4.10%, National: 6.36%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $3.4K, National: $2.1K)
but worse than tier avg
16 of 66 Large CUs have this signature | 342 nationally
→ Stable (11→16 CUs) +5 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#1 of 26 • Bottom 3.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 103.90%
(Tier: 82.82%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 9.67%
(Tier: 7.53%, National: 1.74%)
but better than tier avg
26 of 66 Large CUs have this signature | 367 nationally
→ Stable (27→26 CUs) -1 CUs YoY

Indirect Auto Dependency

risk
#19 of 34 • Bottom 35.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.73%
(Tier: 8.53%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 23.68%
(Tier: 16.37%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 6.43%
(Tier: 4.32%, National: 10.19%)
but better than tier avg
34 of 66 Large CUs have this signature | 745 nationally
→ Stable (34→34 CUs)

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)

Comparing against 37 peers in tier

Top Strengths (10 metrics)

1
Total Assets
balance_sheet
Value: $6.77B
Peer Median: $5.68B
#1 of 37 Top 0.1% in 5B-7B tier
1
Total Loans
balance_sheet
Value: $5.95B
Peer Median: $4.22B
#1 of 37 Top 0.1% in 5B-7B tier
2
Loan-to-Share Ratio
balance_sheet
Value: 103.90%
Peer Median: 88.96%
#2 of 37 Top 2.7% in 5B-7B tier
4
Total Deposits
balance_sheet
Value: $5.72B
Peer Median: $4.75B
#4 of 37 Top 8.1% in 5B-7B tier
4
Loan-to-Member Ratio (LMR)
engagement
Value: $20,847
Peer Median: $13,954
#4 of 37 Top 8.1% in 5B-7B tier
5
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Median: 0.65%
#5 of 37 Top 10.8% in 5B-7B tier
5
Average Member Relationship (AMR)
engagement
Value: $40,911
Peer Median: $29,948
#5 of 37 Top 10.8% in 5B-7B tier
6
Member Growth Rate
growth
Value: 6.43%
Peer Median: 2.61%
#6 of 37 Top 13.5% in 5B-7B tier
8
Loan Growth Rate
growth
Value: 9.67%
Peer Median: 4.82%
#8 of 37 Top 18.9% in 5B-7B tier
10
Net Charge-Off Rate
risk
Value: 0.42%
Peer Median: 0.58%
#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (4 metrics)

30
Return on Assets (ROA)
profitability
Value: 0.44%
Peer Median: 0.75%
#30 of 37 Bottom 21.6% in 5B-7B tier
29
Net Interest Margin (NIM)
profitability
Value: 2.61%
Peer Median: 3.16%
#29 of 37 Bottom 24.3% in 5B-7B tier
29
Efficiency Ratio
profitability
Value: 75.05%
Peer Median: 68.24%
#29 of 37 Bottom 24.3% in 5B-7B tier
29
First Mortgage Concentration (%)
balance_sheet
Value: 47.99%
Peer Median: 35.35%
#29 of 37 Bottom 24.3% in 5B-7B tier
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