BlastPoint's Credit Union Scorecard
SERVICE 1ST
Charter #22128 · PA
SERVICE 1ST has 6 strengths but faces 2 concerns
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How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.43% above tier average
- + Strong member growth: 7.5% YoY
- + First Mortgage Concentration (%): Top 5.1% in tier
- + Member Growth Rate: Top 7.7% in tier
- + Deposit Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.9% in tier
- - Liquidity Strain: Bottom 8.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,411
+7.5% YoY+1.9% QoQ
|
-89 |
51,500
+0.7% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$831.2M
+12.9% YoY+6.2% QoQ
|
$-34.4M |
$865.6M
+0.9% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$683.9M
+9.3% YoY+2.6% QoQ
|
+$88.6M |
$595.3M
+1.6% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$735.6M
+13.6% YoY+5.0% QoQ
|
$-6.5M |
$742.2M
+0.6% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
0.9%
-5.9% YoY-30.0% QoQ
|
+0.1% |
0.8%
+45.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
58% |
| NIM |
3.9%
-1.7% YoY-3.6% QoQ
|
+0.4% |
3.5%
+6.1% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
74.2%
+2.2% YoY+7.4% QoQ
|
-1.4% |
75.5%
-3.4% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.5%
-10.1% YoY-39.7% QoQ
|
-0.2 |
0.7%
-0.1% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
40% |
| Loan To Share |
93.0%
-3.8% YoY-2.2% QoQ
|
+12.4% |
80.6%
+0.7% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$27,612
+3.7% YoY+1.9% QoQ
|
$-1K |
$28,908
+0.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
35.2%
+16.8% YoY+2.2% QoQ
|
+10.9% | 24.3% | 15.4% | 19.8% | Top 14.0% in tier |
| Indirect Auto % |
31.1%
+0.6% YoY+1.1% QoQ
|
+17.3% | 13.8% | 8.3% | 7.7% | 84% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)