BlastPoint's Credit Union Scorecard
CRAYOLA LLC EMPLOYEES CREDIT UNION
Charter #24850 · PA
CRAYOLA LLC EMPLOYEES CREDIT UNION faces 6 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 11.06% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
- - Member decline: -5.4% YoY
- - First Mortgage Concentration (%): Bottom 1.3% in tier
- - Net Interest Margin (NIM): Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
758
-5.4% YoY-2.9% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$9.0M
+3.0% YoY+5.1% QoQ
|
$-21.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$2.8M
-11.4% YoY+6.8% QoQ
|
$-12.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
23% |
| Deposits |
$7.2M
+3.1% YoY+6.5% QoQ
|
$-18.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
-0.1%
-111.5% YoY-108.5% QoQ
|
-0.2% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
20% |
| NIM |
2.6%
-11.0% YoY-12.8% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
101.7%
+18.0% YoY+23.9% QoQ
|
+11.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.3% in tier |
| Delinquency Rate |
2.1%
-6.4% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
38.4%
-14.1% YoY+0.3% QoQ
|
-20.1% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$13,122
+4.2% YoY+9.8% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
46% |
| 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)
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)