BlastPoint's Credit Union Scorecard

AVH

Charter #22953 · PA

<100M

2508 CUs in <100M nationally 186 in PA

AVH has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.53% above tier average
+ Net Interest Margin 0.13% above tier average
+ Net Worth Ratio: Top 2.8% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 1.39% above tier average
- Net Charge-Off Rate: Bottom 4.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	566 -1.9% YoY0% QoQ	-2.1K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	15%
Assets	$4.5M -1.7% YoY+0.7% QoQ	$-25.7M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	17%
Loans	$1.5M +2.4% YoY+0.2% QoQ	$-13.8M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 14.9% in tier
Deposits	$2.8M -4.1% YoY+3.0% QoQ	$-23.0M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 14.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -52.2% YoY-40.2% QoQ	+0.5%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	53%
NIM	4.1% -9.4% YoY+1.0% QoQ	+0.1%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	83.9% +32.1% YoY+22.0% QoQ	-6.7%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	2.9% +165.6% YoY+13.2% QoQ	+1.4	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Bottom 12.0% in tier
Loan To Share	53.7% +6.8% YoY-2.8% QoQ	-4.8%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	43%
AMR	$7,579 -0.0% YoY+2.0% QoQ	$-7K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	17%
CD Concentration	9.1% +19.1% YoY-16.1% QoQ	-15.1%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Net Worth Ratio

risk

Value: 37.38%

Peer Median: 14.28%

#72 of 2508 Top 2.8% in <100M tier

Top Weaknesses (10 metrics)

2393

Net Charge-Off Rate

risk

Value: 2.57%

Peer Median: 0.07%

#2393 of 2508 Bottom 4.6% in <100M tier

2207

Total Delinquency Rate (60+ days)

risk

Value: 2.90%

Peer Median: 0.65%

#2207 of 2508 Bottom 12.0% in <100M tier

2141

Total Deposits

balance_sheet

Value: $2.79M

Peer Median: $18.77M

#2141 of 2508 Bottom 14.7% in <100M tier

2135

Total Loans

balance_sheet

Value: $1.50M

Peer Median: $9.48M

#2135 of 2508 Bottom 14.9% in <100M tier

2120

Total Members

engagement

Value: 566

Peer Median: 1,918

#2120 of 2508 Bottom 15.5% in <100M tier

2105

Fee Income Per Member

profitability

Value: $6.01

Peer Median: $60.42

#2105 of 2508 Bottom 16.1% in <100M tier

2079

Average Member Relationship (AMR)

engagement

Value: $7,579

Peer Median: $13,926

#2079 of 2508 Bottom 17.1% in <100M tier

2076

Total Assets

balance_sheet

Value: $4.47M

Peer Median: $21.86M

#2076 of 2508 Bottom 17.3% in <100M tier

1994

Loan-to-Member Ratio (LMR)

engagement

Value: $2,647

Peer Median: $4,923

#1994 of 2508 Bottom 20.5% in <100M tier

1958

Deposit Growth Rate

growth

Value: -4.12%

Peer Median: 0.66%

#1958 of 2508 Bottom 22.0% in <100M tier