BlastPoint's Credit Union Scorecard
FINANTA
Charter #24928 · PA
FINANTA has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 9.89% above tier average
- + Strong member growth: 53.8% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.3% in tier
- + Member Growth Rate: Top 0.4% in tier
- + AMR Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,802
+53.8% YoY+13.3% QoQ
|
-874 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$42.7M
+55.1% YoY+20.9% QoQ
|
+$12.5M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$5.6M
+69.7% YoY+28.6% QoQ
|
$-9.7M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$21.2M
+180.8% YoY+37.7% QoQ
|
$-4.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
10.0%
+19.4% YoY+742.6% QoQ
|
+9.9% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 0.2% in tier |
| NIM |
1.8%
-51.0% YoY-33.8% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
46.4%
-3.1% YoY-43.3% QoQ
|
-44.2% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 3.5% in tier |
| Delinquency Rate |
1.3%
+13.2% YoY+119.0% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
26.4%
-39.6% YoY-6.6% QoQ
|
-32.1% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.4% in tier |
| AMR |
$14,854
+60.7% YoY+19.8% QoQ
|
$-30 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
8.3%
-39.4% YoY-29.6% QoQ
|
-16.0% | 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)