BlastPoint's Credit Union Scorecard
U.A.L.U. 354
Charter #23174 · PA
U.A.L.U. 354 has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.24% 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 2.03% below tier average
- - Efficiency ratio 0.15% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 1.9% in tier
- - Loan Growth Rate: Bottom 7.5% in tier
- - AMR Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,568
-0.8% YoY-0.4% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$6.7M
-2.5% YoY-0.9% QoQ
|
$-23.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$4.0M
-17.9% YoY-1.8% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
29% |
| Deposits |
$5.9M
-1.6% YoY-0.6% QoQ
|
$-19.8M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
-1.4%
+239.3% YoY+12.9% QoQ
|
-2.0% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.3% in tier |
| NIM |
5.2%
+8.9% YoY+2.5% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
82.7%
+0.7% YoY-0.5% QoQ
|
+0.2% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.2%
-97.6% YoY-88.8% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
26% |
| Loan To Share |
67.0%
-16.5% YoY-1.2% QoQ
|
+6.3% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$6,289
-8.1% YoY-0.6% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.6% in tier |
| CD Concentration |
4.3%
+16.4% YoY+0.6% QoQ
|
-20.1% | 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)