BlastPoint's Credit Union Scorecard
U.A.L.U. 354
Charter #23174 · PA
U.A.L.U. 354 has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.93% below tier average
- - Efficiency ratio 1.72% above tier (higher cost structure)
- - Delinquency rate 0.26% above tier average
- - Net Charge-Off Rate: Bottom 2.1% in tier
- - Loan Growth Rate: Bottom 7.0% in tier
- - AMR Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,575
-0.8% YoY+1.2% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$6.8M
-3.6% YoY-1.4% QoQ
|
$-23.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$4.0M
-18.9% YoY-7.8% QoQ
|
$-11.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$5.9M
-2.5% YoY-0.6% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
26% |
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| ROA |
-1.3%
-433.2% YoY-1696.1% QoQ
|
-1.9% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 4.7% in tier |
| NIM |
5.1%
+9.8% YoY+0.5% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 13.0% in tier |
| Efficiency Ratio |
83.1%
+0.5% YoY+7.6% QoQ
|
+1.7% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
62% |
| Delinquency Rate |
1.8%
-77.6% YoY-56.8% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
67.8%
-16.9% YoY-7.2% QoQ
|
+6.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$6,330
-9.2% YoY-4.8% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
4.3%
+51.7% YoY-10.0% QoQ
|
-20.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)