BlastPoint's Credit Union Scorecard
EAST END FOOD COOPERATIVE
Charter #24483 · PA
<100M
2556 CUs in <100M nationally
190 in PA
EAST END FOOD COOPERATIVE has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.72% above tier average
- + Net Interest Margin 1.04% above tier average
- + Fee Income Per Member: Top 0.9% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Loan Growth Rate: Top 4.5% in tier
- + AMR Growth Rate: Top 4.9% in tier
- + Deposit Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.06% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Total Assets: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
402
-1.0% YoY-1.7% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$1.9M
+20.3% YoY+9.7% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.2% in tier |
| Loans |
$927,963
+17.7% YoY+3.9% QoQ
|
$-14.8M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.8% in tier |
| Deposits |
$1.6M
+10.8% YoY+3.1% QoQ
|
$-24.1M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.1% in tier |
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| ROA |
3.3%
+161.3% YoY-24.1% QoQ
|
+2.7% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 1.1% in tier |
| NIM |
5.0%
+4.7% YoY+2.2% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 14.7% in tier |
| Efficiency Ratio |
70.1%
+13.4% YoY+9.3% QoQ
|
-12.5% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate |
8.6%
+25.4% YoY+51.5% QoQ
|
+7.1 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
56.7%
+6.2% YoY+0.8% QoQ
|
-3.9% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
44% |
| AMR |
$6,379
+14.3% YoY+5.2% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.8% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
25
Fee Income Per Member
profitability
Value:
$382.76
Peer Median: -
#25 of 2556
Top 0.9% in <100M tier
27
Return on Assets (ROA)
profitability
Value:
3.34%
Peer Median: -
#27 of 2556
Top 1.0% in <100M tier
45
Asset Growth Rate
growth
Value:
20.28%
Peer Median: -
#45 of 2556
Top 1.7% in <100M tier
116
Loan Growth Rate
growth
Value:
17.67%
Peer Median: -
#116 of 2556
Top 4.5% in <100M tier
126
AMR Growth Rate
growth
Value:
14.30%
Peer Median: -
#126 of 2556
Top 4.9% in <100M tier
217
Deposit Growth Rate
growth
Value:
10.78%
Peer Median: -
#217 of 2556
Top 8.5% in <100M tier
377
Net Interest Margin (NIM)
profitability
Value:
5.00%
Peer Median: -
#377 of 2556
Top 14.7% in <100M tier
Top Weaknesses (10 metrics)
2488
Total Delinquency Rate (60+ days)
risk
Value:
8.61%
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2322
Total Assets
balance_sheet
Value:
$1.92M
Peer Median: -
#2322 of 2556
Bottom 9.2% in <100M tier
2298
Total Deposits
balance_sheet
Value:
$1.64M
Peer Median: -
#2298 of 2556
Bottom 10.1% in <100M tier
2281
Total Loans
balance_sheet
Value:
$927,963
Peer Median: -
#2281 of 2556
Bottom 10.8% in <100M tier
2276
Net Worth Ratio
risk
Value:
9.19%
Peer Median: -
#2276 of 2556
Bottom 11.0% in <100M tier
2274
Total Members
engagement
Value:
402
Peer Median: -
#2274 of 2556
Bottom 11.1% in <100M tier
2228
Average Member Relationship (AMR)
engagement
Value:
$6,379
Peer Median: -
#2228 of 2556
Bottom 12.9% in <100M tier
2146
Members Per Employee (MPE)
engagement
Value:
201.000
Peer Median: -
#2146 of 2556
Bottom 16.1% in <100M tier
2139
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,308
Peer Median: -
#2139 of 2556
Bottom 16.4% in <100M tier
2130
Net Charge-Off Rate
risk
Value:
0.97%
Peer Median: -
#2130 of 2556
Bottom 16.7% in <100M tier