BlastPoint's Credit Union Scorecard
EAST END FOOD COOPERATIVE
Charter #24483 · PA
EAST END FOOD COOPERATIVE has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.82% above tier average
- + Net Interest Margin 0.92% above tier average
- + Fee Income Per Member: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.48% above tier average
- - Total Delinquency Rate (60+ days): Bottom 4.9% in tier
- - Total Assets: Bottom 9.1% in tier
- - Net Charge-Off Rate: Bottom 9.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -2.9% year over year ($1.7M in shares and deposits).
- Membership: 418 members, +3.2% vs a year ago.
- Delinquency rate 6.03%.
- Return on assets 3.31%.
- Efficiency ratio 59.57% vs a 88.77% peer average.
- Loan-to-share ratio 54.09% vs a 58.89% 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 |
418
+3.2% YoY0% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 11.5% in tier |
| Assets |
$2.0M
-0.5% YoY+0.2% QoQ
|
$-28.3M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.0% in tier |
| Loans |
$915,806
+9.6% YoY+3.4% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.9% in tier |
| Deposits |
$1.7M
-2.9% YoY+0.7% QoQ
|
$-24.1M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.3% in tier |
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| ROA |
3.3%
+1.0% YoY-9.6% QoQ
|
+1.8% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 3.3% in tier |
| NIM |
4.8%
+3.7% YoY+3.2% QoQ
|
+0.9% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 14.9% in tier |
| Efficiency Ratio |
59.6%
-2.4% YoY+5.1% QoQ
|
-29.2% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 11.2% in tier |
| Delinquency Rate |
6.0%
-0.2% YoY-3.3% QoQ
|
+4.5 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.9% in tier |
| Loan To Share |
54.1%
+12.9% YoY+2.7% QoQ
|
-4.8% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
44% |
| AMR |
$6,241
-2.0% YoY+1.6% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.2% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)