BlastPoint's Credit Union Scorecard
AVH
Charter #22953 · PA
AVH has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Net Interest Margin 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 2.5% in tier
- + AMR Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.00% above tier average
- - Member decline: -12.0% YoY
- - Member Growth Rate: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
566
-12.0% YoY-1.2% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$4.4M
+4.6% YoY-1.3% QoQ
|
$-25.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$1.5M
+3.5% YoY-0.1% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.6% in tier |
| Deposits |
$2.7M
+3.2% YoY-4.2% QoQ
|
$-23.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.4% in tier |
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| ROA |
1.1%
-57.1% YoY-4.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
4.1%
-16.7% YoY-2.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
68.8%
+20.1% YoY+3.0% QoQ
|
-13.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
2.6%
+459.5% YoY+86.6% QoQ
|
+1.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
84% |
| Loan To Share |
55.2%
+0.2% YoY+4.3% QoQ
|
-5.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$7,429
+17.4% YoY-1.6% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
17% |
| CD Concentration |
10.9%
+1161.3% YoY+44.6% QoQ
|
-13.5% | 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)