BlastPoint's Credit Union Scorecard
GUTHRIE COMMUNITY
Charter #23394 · PA
GUTHRIE COMMUNITY faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 10.20% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +1.1% year over year ($112M in shares and deposits).
- Membership: 7,296 members, -0.4% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.42%.
- Efficiency ratio 86.93% vs a 76.73% peer average.
- Loan-to-share ratio 55.10% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,296
-0.4% YoY-0.1% QoQ
|
-7.9K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 13.6% in tier |
| Assets |
$122.7M
+2.0% YoY-1.3% QoQ
|
$-109.3M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.4% in tier |
| Loans |
$62.0M
+0.9% YoY+0.6% QoQ
|
$-84.3M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.3% in tier |
| Deposits |
$112.4M
+1.1% YoY-1.4% QoQ
|
$-88.3M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.4%
+21.7% YoY+1.6% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
2.9%
+1.5% YoY+2.2% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio |
86.9%
+0.2% YoY+1.4% QoQ
|
+10.2% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
0.3%
-47.9% YoY-53.4% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
55.1%
-0.2% YoY+2.0% QoQ
|
-16.4% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$23,904
+1.4% YoY-0.6% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
27.8%
-5.9% YoY-2.4% QoQ
|
+3.3% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
0.6%
+503.9% YoY+16.2% QoQ
|
-13.0% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)