BlastPoint's Credit Union Scorecard
AVH
Charter #22953 ยท PA
2596 CUs in <100M nationally
198 in PA
AVH demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.50% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
573
-0.5% YoY-0.2% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$4.5M
+2.4% YoY+0.7% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$1.5M
+3.3% YoY+2.8% QoQ
|
$-14.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.7% in tier |
| Deposits |
$2.8M
+1.4% YoY+0.5% QoQ
|
$-22.6M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
15% |
| ROA |
1.2%
-21.7% YoY-6.2% QoQ
|
+0.5% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
70% |
| NIM |
4.2%
-15.4% YoY-0.9% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
61% |
| Efficiency Ratio |
66.8%
+17.2% YoY+6.5% QoQ
|
-14.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.4%
+15.0% YoY-32.2% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
52.9%
+1.9% YoY+2.3% QoQ
|
-8.3% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
36% |
| AMR |
$7,550
+2.6% YoY+1.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
7.5%
+827.7% YoY-5.1% QoQ
|
-16.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
83
Net Worth Ratio
risk
Value:
36.77%
Peer Avg: 16.43%
#83 of 2596
Top 3.2% in <100M tier
638
Efficiency Ratio
profitability
Value:
66.77%
Peer Avg: 81.39%
#638 of 2596
Top 24.5% in <100M tier
Top Weaknesses (7 metrics)
2215
Total Loans
balance_sheet
Value:
$1.50M
Peer Avg: $15.77M
#2215 of 2596
Bottom 14.7% in <100M tier
2203
Total Deposits
balance_sheet
Value:
$2.83M
Peer Avg: $25.45M
#2203 of 2596
Bottom 15.2% in <100M tier
2191
Total Members
engagement
Value:
573
Peer Avg: 2,626
#2191 of 2596
Bottom 15.6% in <100M tier
2163
Fee Income Per Member
profitability
Value:
$7.57
Peer Avg: $182.96
#2163 of 2596
Bottom 16.7% in <100M tier
2145
Average Member Relationship (AMR)
engagement
Value:
$7,550
Peer Avg: $14,627
#2145 of 2596
Bottom 17.4% in <100M tier
2140
Total Assets
balance_sheet
Value:
$4.50M
Peer Avg: $29.86M
#2140 of 2596
Bottom 17.6% in <100M tier
2094
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,613
Peer Avg: $5,488
#2094 of 2596
Bottom 19.4% in <100M tier