BlastPoint's Credit Union Scorecard
FINANTA
Charter #24928 · PA
FINANTA has 10 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.57% above tier average
- + Strong member growth: 52.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Fee Income Per Member: Top 0.2% in tier
- + Member Growth Rate: Top 0.4% in tier
- + Asset Growth Rate: Top 0.5% in tier
- + AMR Growth Rate: Top 1.2% in tier
- + Loan Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Loan-to-Share Ratio: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,591
+52.7% YoY+10.9% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$35.3M
+36.8% YoY+7.6% QoQ
|
+$5.2M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$4.3M
+30.6% YoY+17.5% QoQ
|
$-11.4M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$15.4M
+135.1% YoY+17.1% QoQ
|
$-10.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.2%
-72.4% YoY-13.6% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
2.8%
+20.7% YoY-8.2% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio |
81.8%
+16.1% YoY+0.7% QoQ
|
-0.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
0.6%
-67.2% YoY-56.7% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
44% |
| Loan To Share |
28.3%
-44.4% YoY+0.3% QoQ
|
-32.3% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.7% in tier |
| AMR |
$12,398
+30.9% YoY+5.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
11.7%
+11.6% YoY+7.3% QoQ
|
-12.7% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)