BlastPoint's Credit Union Scorecard
AVH
Charter #22953 · PA
AVH has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 2.9% in tier
- + AMR Growth Rate: Top 6.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.09% below tier average
- - Efficiency ratio 0.83% above tier (higher cost structure)
- - Member decline: -12.9% YoY
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Member Growth Rate: Bottom 4.1% 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 -2.1% year over year ($2.8M in shares and deposits).
- Membership: 500 members, -12.9% vs a year ago.
- Delinquency rate 0.85%.
- Return on assets 0.40%.
- Efficiency ratio 89.60% vs a 88.77% peer average.
- Loan-to-share ratio 52.97% 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 |
500
-12.9% YoY-11.7% QoQ
|
-2.1K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 13.7% in tier |
| Assets |
$4.4M
-0.6% YoY-0.7% QoQ
|
$-25.8M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$1.5M
+0.2% YoY-2.6% QoQ
|
$-14.0M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 14.3% in tier |
| Deposits |
$2.8M
-2.1% YoY-1.3% QoQ
|
$-23.0M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 14.5% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
-68.1% YoY-40.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.8%
-9.8% YoY-8.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
89.6%
+43.0% YoY+6.7% QoQ
|
+0.8% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
0.9%
-57.8% YoY-70.5% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
56% |
| Loan To Share |
53.0%
+2.3% YoY-1.3% QoQ
|
-5.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$8,430
+13.3% YoY+11.2% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
8.9%
+11.9% YoY-2.8% QoQ
|
-15.7% | 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)