BlastPoint's Credit Union Scorecard
BACK MOUNTAIN
Charter #21458 · PA
BACK MOUNTAIN has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Delinquency rate 5.26% above tier average
- - Member decline: -5.4% YoY
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.9% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -25.5% year over year ($5.0M in shares and deposits).
- Membership: 650 members, -5.4% vs a year ago.
- Delinquency rate 6.80%.
- Return on assets 0.59%.
- Efficiency ratio 77.89% vs a 88.77% peer average.
- Loan-to-share ratio 67.58% vs a 58.89% 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 |
650
-5.4% YoY-11.3% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$6.9M
-19.2% YoY-14.6% QoQ
|
$-23.4M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$3.4M
-1.2% YoY+0.4% QoQ
|
$-12.1M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
26% |
| Deposits |
$5.0M
-25.5% YoY-19.4% QoQ
|
$-20.8M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.6%
+186.3% YoY-11.0% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
2.9%
+24.5% YoY+6.9% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
77.9%
+6.1% YoY+2.7% QoQ
|
-10.9% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
6.8%
+135.1% YoY+121.6% QoQ
|
+5.3 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.9% in tier |
| Loan To Share |
67.6%
+32.5% YoY+24.5% QoQ
|
+8.7% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$12,798
-12.6% YoY-1.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)