BlastPoint's Credit Union Scorecard
SERVICE 1ST
Charter #22128 · PA
SERVICE 1ST has 8 strengths but faces 3 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
- + ROA 0.26% above tier average
- + Net Interest Margin 0.55% above tier average
- + Strong member growth: 8.1% YoY
- + First Mortgage Concentration (%): Top 5.4% in tier
- + Asset Growth Rate: Top 7.2% in tier
- + Member Growth Rate: Top 8.1% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Loan Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.6% in tier
- - Indirect Auto Dependency: Bottom 5.4% in tier
- - Margin Compression: Bottom 28.9% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Pennsylvania.
- Shares and deposits +13.0% year over year ($745M in shares and deposits).
- Membership: 52,842 members, +8.1% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 1.10%.
- Efficiency ratio 71.02% vs a 74.54% peer average.
- Loan-to-share ratio 98.32% vs a 82.60% 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 |
52,842
+8.1% YoY+2.8% QoQ
|
+359 |
52,482
+1.3% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$837.1M
+12.1% YoY+0.7% QoQ
|
$-26.8M |
$863.9M
+0.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$732.8M
+13.8% YoY+7.2% QoQ
|
+$125.1M |
$607.8M
+2.1% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 12.6% in tier |
| Deposits |
$745.4M
+13.0% YoY+1.3% QoQ
|
+$5.5M |
$739.9M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.1%
-10.9% YoY+26.6% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
68% |
| NIM |
4.1%
+1.4% YoY+4.5% QoQ
|
+0.5% |
3.5%
+6.2% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
71.0%
+2.2% YoY-4.2% QoQ
|
-3.5% |
74.5%
-1.4% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
0.5%
-15.1% YoY+0.3% QoQ
|
-0.3 |
0.8%
+1.0% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
98.3%
+0.7% YoY+5.8% QoQ
|
+15.7% |
82.6%
+1.9% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 13.5% in tier |
| AMR |
$27,974
+4.9% YoY+1.3% QoQ
|
$-728 |
$28,702
+0.4% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
35.3%
+14.3% YoY+0.5% QoQ
|
+10.8% | 24.6% | 15.6% | 20.0% | 85% |
| Indirect Auto % |
32.3%
+3.1% YoY+3.9% QoQ
|
+18.7% | 13.6% | 8.4% | 7.7% | Bottom 14.1% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)