BlastPoint's Credit Union Scorecard

GUTHRIE COMMUNITY

Charter #23394 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

GUTHRIE COMMUNITY faces 5 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

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
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.36% below tier average
- Efficiency ratio 8.01% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	7,337 +0.3% YoY-0.3% QoQ	-8.1K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	Bottom 13.2% in tier
Assets	$120.7M +5.1% YoY+1.9% QoQ	$-111.1M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	Bottom 13.8% in tier
Loans	$62.1M +7.4% YoY+0.3% QoQ	$-85.3M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 11.1% in tier
Deposits	$110.6M +3.3% YoY+1.8% QoQ	$-90.2M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	18%

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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	0.4% -2.3% YoY+4.7% QoQ	-0.4%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	25%
NIM	2.9% +2.9% YoY-0.3% QoQ	-0.8%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 12.6% in tier
Efficiency Ratio	85.0% +5.2% YoY-0.7% QoQ	+8.0%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.6% +65.8% YoY+49.8% QoQ	-0.3	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	43%
Loan To Share	56.2% +3.9% YoY-1.4% QoQ	-16.1%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	17%
AMR	$23,532 +4.5% YoY+1.5% QoQ	$-1K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	55%
CD Concentration	28.8% -5.1% YoY-3.9% QoQ	+4.4%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.5% +58.9% QoQ	-13.3%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Efficiency Drag

risk

#31 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.02%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.27%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Risk Growth

risk

#158 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.37%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#305 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

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 1069 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

950

Total Loans

balance_sheet

Value: $62.09M

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

934

Net Interest Margin (NIM)

profitability

Value: 2.85%

Peer Median: -

#934 of 1069 Bottom 12.7% in 100M-500M tier

928

Total Members

engagement

Value: 7,337

Peer Median: -

#928 of 1069 Bottom 13.3% in 100M-500M tier

921

Total Assets

balance_sheet

Value: $120.72M

Peer Median: -

#921 of 1069 Bottom 13.9% in 100M-500M tier

886

Loan-to-Share Ratio

balance_sheet

Value: 56.16%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

875

Total Deposits

balance_sheet

Value: $110.56M

Peer Median: -

#875 of 1069 Bottom 18.2% in 100M-500M tier

837

Efficiency Ratio

profitability

Value: 85.02%

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier

822

First Mortgage Concentration (%)

balance_sheet

Value: 42.97%

Peer Median: -

#822 of 1069 Bottom 23.2% in 100M-500M tier

804

Return on Assets (ROA)

profitability

Value: 0.40%

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier