BlastPoint's Credit Union Scorecard
EAST END FOOD COOPERATIVE
Charter #24483 · PA
2596 CUs in <100M nationally
198 in PA
EAST END FOOD COOPERATIVE has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.72% above tier average
- + Net Interest Margin 0.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 1.0% in tier
- + Asset Growth Rate: Top 3.9% in tier
- + Deposit Growth Rate: Top 5.9% in tier
- + Loan Growth Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.18% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.1% in tier
- - Total Assets: 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 |
409
+3.0% YoY+1.0% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 11.5% in tier |
| Assets |
$1.7M
+14.2% YoY-11.4% QoQ
|
$-28.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.6% in tier |
| Loans |
$892,832
+15.0% YoY+6.8% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.7% in tier |
| Deposits |
$1.6M
+11.9% YoY-9.1% QoQ
|
$-23.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 10.3% in tier |
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| ROA |
4.4%
+328.4% YoY+34.1% QoQ
|
+3.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 1.0% in tier |
| NIM |
4.9%
+2.2% YoY+5.2% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
64.1%
+8.1% YoY+5.0% QoQ
|
-17.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
5.7%
-11.3% YoY-5.9% QoQ
|
+4.2 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.1% in tier |
| Loan To Share |
56.3%
+2.8% YoY+17.4% QoQ
|
-5.0% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
42% |
| AMR |
$6,062
+9.7% YoY-4.9% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.1% in tier |
| CD Concentration | 0.0% | -24.4% |
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)
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)
Top Strengths (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
25
Return on Assets (ROA)
profitability
Value:
4.40%
Peer Avg: -
#25 of 2596
Top 0.9% in <100M tier
28
Fee Income Per Member
profitability
Value:
$421.83
Peer Avg: -
#28 of 2596
Top 1.0% in <100M tier
101
Asset Growth Rate
growth
Value:
14.17%
Peer Avg: -
#101 of 2596
Top 3.9% in <100M tier
155
Deposit Growth Rate
growth
Value:
11.93%
Peer Avg: -
#155 of 2596
Top 5.9% in <100M tier
157
Loan Growth Rate
growth
Value:
15.04%
Peer Avg: -
#157 of 2596
Top 6.0% in <100M tier
258
AMR Growth Rate
growth
Value:
9.72%
Peer Avg: -
#258 of 2596
Top 9.9% in <100M tier
318
Member Growth Rate
growth
Value:
3.02%
Peer Avg: -
#318 of 2596
Top 12.2% in <100M tier
Top Weaknesses (10 metrics)
2465
Total Delinquency Rate (60+ days)
risk
Value:
5.68%
Peer Avg: -
#2465 of 2596
Bottom 5.1% in <100M tier
2373
Total Assets
balance_sheet
Value:
$1.75M
Peer Avg: -
#2373 of 2596
Bottom 8.6% in <100M tier
2329
Total Deposits
balance_sheet
Value:
$1.59M
Peer Avg: -
#2329 of 2596
Bottom 10.3% in <100M tier
2319
Total Loans
balance_sheet
Value:
$892,832
Peer Avg: -
#2319 of 2596
Bottom 10.7% in <100M tier
2298
Total Members
engagement
Value:
409
Peer Avg: -
#2298 of 2596
Bottom 11.5% in <100M tier
2282
Average Member Relationship (AMR)
engagement
Value:
$6,062
Peer Avg: -
#2282 of 2596
Bottom 12.1% in <100M tier
2265
Net Charge-Off Rate
risk
Value:
1.08%
Peer Avg: -
#2265 of 2596
Bottom 12.8% in <100M tier
2255
Net Worth Ratio
risk
Value:
9.53%
Peer Avg: -
#2255 of 2596
Bottom 13.2% in <100M tier
2210
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,183
Peer Avg: -
#2210 of 2596
Bottom 14.9% in <100M tier
2170
Members Per Employee (MPE)
engagement
Value:
204.500
Peer Avg: -
#2170 of 2596
Bottom 16.4% in <100M tier