BlastPoint's Credit Union Scorecard
EAST END FOOD COOPERATIVE
Charter #24483 · PA
<100M
2508 CUs in <100M nationally
186 in PA
EAST END FOOD COOPERATIVE has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.52% above tier average
- + Net Interest Margin 0.66% above tier average
- + Strong member growth: 5.8% YoY
- + Member Growth Rate: Top 5.7% in tier
- + Fee Income Per Member: Top 7.1% in tier
- + Efficiency Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.73% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.3% in tier
- - Total Assets: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
418
+5.8% YoY+4.0% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 11.5% in tier |
| Assets |
$2.0M
+3.9% YoY+2.2% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.2% in tier |
| Loans |
$885,599
+6.1% YoY-4.6% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.8% in tier |
| Deposits |
$1.7M
+2.1% YoY+2.8% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.3% in tier |
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| ROA |
3.7%
+7.1% YoY+9.9% QoQ
|
+3.5% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 1.3% in tier |
| NIM |
4.7%
-5.4% YoY-6.6% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
56.7%
+1.2% YoY-19.1% QoQ
|
-34.0% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 8.9% in tier |
| Delinquency Rate |
6.2%
+0.7% YoY-27.6% QoQ
|
+4.7 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 4.3% in tier |
| Loan To Share |
52.7%
+3.9% YoY-7.1% QoQ
|
-5.8% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
41% |
| AMR |
$6,141
-2.3% YoY-3.7% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
33
Return on Assets (ROA)
profitability
Value:
3.67%
Peer Median: 0.61%
#33 of 2508
Top 1.3% in <100M tier
145
Member Growth Rate
growth
Value:
5.82%
Peer Median: -1.37%
#145 of 2508
Top 5.7% in <100M tier
178
Fee Income Per Member
profitability
Value:
$177.96
Peer Median: $60.42
#178 of 2508
Top 7.1% in <100M tier
225
Efficiency Ratio
profitability
Value:
56.67%
Peer Median: 81.45%
#225 of 2508
Top 8.9% in <100M tier
434
Loan Growth Rate
growth
Value:
6.07%
Peer Median: -2.36%
#434 of 2508
Top 17.3% in <100M tier
457
Net Interest Margin (NIM)
profitability
Value:
4.67%
Peer Median: 3.83%
#457 of 2508
Top 18.2% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2401
Total Delinquency Rate (60+ days)
risk
Value:
6.24%
Peer Median: 0.65%
#2401 of 2508
Bottom 4.3% in <100M tier
2277
Total Assets
balance_sheet
Value:
$1.96M
Peer Median: $21.86M
#2277 of 2508
Bottom 9.3% in <100M tier
2249
Total Deposits
balance_sheet
Value:
$1.68M
Peer Median: $18.77M
#2249 of 2508
Bottom 10.4% in <100M tier
2237
Total Loans
balance_sheet
Value:
$885,599
Peer Median: $9.48M
#2237 of 2508
Bottom 10.8% in <100M tier
2220
Total Members
engagement
Value:
418
Peer Median: 1,918
#2220 of 2508
Bottom 11.5% in <100M tier
2205
Average Member Relationship (AMR)
engagement
Value:
$6,141
Peer Median: $13,926
#2205 of 2508
Bottom 12.1% in <100M tier
2133
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,119
Peer Median: $4,923
#2133 of 2508
Bottom 15.0% in <100M tier
2094
Net Worth Ratio
risk
Value:
9.91%
Peer Median: 14.28%
#2094 of 2508
Bottom 16.5% in <100M tier
2070
Members Per Employee (MPE)
engagement
Value:
209.000
Peer Median: 333.750
#2070 of 2508
Bottom 17.5% in <100M tier