BlastPoint's Credit Union Scorecard
BRADFORD AREA SCHOOL EMPLOYEES
Charter #24857 · PA
BRADFORD AREA SCHOOL EMPLOYEES has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 1.41% above tier average
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Loan Growth Rate: Top 2.7% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Total Deposits: Bottom 5.7% in tier
- - Total Assets: Bottom 5.8% in tier
- - Total Members: Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 8.7% 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 -3.1% year over year ($842K in shares and deposits).
- Membership: 265 members, -1.1% vs a year ago.
- Delinquency rate 0.12%.
- Return on assets 1.80%.
- Efficiency ratio 66.56% vs a 88.77% peer average.
- Loan-to-share ratio 115.79% 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 |
265
-1.1% YoY+0.8% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 6.8% in tier |
| Assets |
$1.1M
-1.0% YoY-0.1% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.7% in tier |
| Loans |
$974,607
+22.5% YoY+5.7% QoQ
|
$-14.5M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.2% in tier |
| Deposits |
$841,717
-3.1% YoY-0.4% QoQ
|
$-25.0M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.7% in tier |
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| ROA |
1.8%
+39.3% YoY-12.4% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 12.8% in tier |
| NIM |
5.3%
+14.6% YoY+2.6% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 7.8% in tier |
| Efficiency Ratio |
66.6%
-8.3% YoY+9.6% QoQ
|
-22.2% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
0.1%
-48.5% YoY-90.6% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
115.8%
+26.4% YoY+6.0% QoQ
|
+56.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Top 0.9% in tier |
| AMR |
$6,854
+10.4% YoY+2.0% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.2% 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)