BlastPoint's Credit Union Scorecard
CITADEL
Charter #2099 · PA
CITADEL has 8 strengths but faces 6 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
- + Relationship Depth Leader: Top 67.2% in tier
- + Strong member growth: 7.1% YoY
- + Total Assets: Top 0.1% in tier
- + Total Loans: Top 0.1% in tier
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Total Deposits: Top 5.1% in tier
- + Member Growth Rate: Top 7.7% in tier
- + Total Delinquency Rate (60+ days): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.0% in tier
- - Credit Risk Growth: Bottom 25.0% in tier
- - Indirect Auto Dependency: Bottom 37.5% in tier
- - Credit Quality Pressure: Bottom 46.9% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 10.09% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 2 that size in Pennsylvania.
- Shares and deposits +8.3% year over year ($5.82B in shares and deposits).
- Membership: 290,591 members, +7.1% vs a year ago.
- Delinquency rate 0.33%.
- Return on assets 0.47%.
- Efficiency ratio 75.27% vs a 65.18% peer average.
- Loan-to-share ratio 104.83% vs a 85.64% 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 |
290,591
+7.1% YoY+1.9% QoQ
|
-20.3K |
310,918
+6.0% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$6.9B
+7.5% YoY+1.5% QoQ
|
+$1.1B |
$5.8B
-1.1% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 2.6% in tier |
| Loans |
$6.1B
+9.2% YoY+2.6% QoQ
|
+$1.9B |
$4.2B
-0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 2.6% in tier |
| Deposits |
$5.8B
+8.3% YoY+1.7% QoQ
|
+$925.9M |
$4.9B
-1.3% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Top 7.7% in tier |
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| ROA |
0.5%
-12.4% YoY+6.4% QoQ
|
-0.5% |
0.9%
+35.3% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.7% in tier |
| NIM |
2.7%
+7.5% YoY+1.6% QoQ
|
-0.6% |
3.2%
+9.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
75.3%
+8.5% YoY+0.3% QoQ
|
+10.1% |
65.2%
-9.0% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.3%
+6.7% YoY+10.2% QoQ
|
-0.5 |
0.8%
+23.8% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 7.7% in tier |
| Loan To Share |
104.8%
+0.8% YoY+0.9% QoQ
|
+19.2% |
85.6%
-0.2% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 5.1% in tier |
| AMR |
$41,030
+1.5% YoY+0.3% QoQ
|
+$9K |
$32,010
-7.3% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 12.8% in tier |
| CD Concentration |
32.2%
-0.7% YoY+1.9% QoQ
|
+3.8% | 28.3% | 15.6% | 20.0% | 67% |
| Indirect Auto % |
23.6%
-3.7% YoY-0.4% QoQ
|
+6.8% | 16.8% | 8.4% | 7.7% | 68% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)