BlastPoint's Credit Union Scorecard
BACK MOUNTAIN
Charter #21458 · PA
BACK MOUNTAIN faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Delinquency rate 1.45% above tier average
- - Member decline: -3.2% YoY
- - Deposit Growth Rate: Bottom 8.1% in tier
- - Net Interest Margin (NIM): Bottom 8.8% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
675
-3.2% YoY-1.2% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$8.1M
-6.8% YoY-0.5% QoQ
|
$-22.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$3.3M
-5.7% YoY-3.7% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$6.2M
-9.3% YoY-0.9% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.5%
-10.3% YoY+38.3% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
2.5%
+16.9% YoY+3.9% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.8% in tier |
| Efficiency Ratio |
70.5%
-4.8% YoY-1.9% QoQ
|
-12.1% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
3.0%
-38.5% YoY+61.9% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.9% in tier |
| Loan To Share |
53.9%
+3.9% YoY-2.7% QoQ
|
-6.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$14,047
-5.0% YoY-0.7% QoQ
|
$-736 |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)