BlastPoint's Credit Union Scorecard
FINANTA
Charter #24928 · PA
FINANTA has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.68% above tier average
- + Strong member growth: 70.4% YoY
- + Fee Income Per Member: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.2% in tier
- + Loan Growth Rate: Top 0.4% in tier
- + Member Growth Rate: Top 0.5% in tier
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.09% above tier average
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - Members Per Employee (MPE): Bottom 6.5% in tier
- - Loan-to-Share Ratio: Bottom 9.0% 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 +149.8% year over year ($28.4M in shares and deposits).
- Membership: 2,133 members, +70.4% vs a year ago.
- Delinquency rate 1.64%.
- Return on assets 5.17%.
- Efficiency ratio 59.17% vs a 88.77% peer average.
- Loan-to-share ratio 27.29% 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 |
2,133
+70.4% YoY+18.4% QoQ
|
-452 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$50.9M
+63.0% YoY+19.2% QoQ
|
+$20.6M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$7.7M
+125.9% YoY+38.5% QoQ
|
$-7.7M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
45% |
| Deposits |
$28.4M
+149.8% YoY+34.1% QoQ
|
+$2.6M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
63% |
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| ROA |
5.2%
+88.3% YoY-48.5% QoQ
|
+3.7% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 1.6% in tier |
| NIM |
1.7%
-49.3% YoY-7.6% QoQ
|
-2.2% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
59.2%
-17.6% YoY+27.6% QoQ
|
-29.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 11.0% in tier |
| Delinquency Rate |
1.6%
+23.6% YoY+30.4% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
27.3%
-9.6% YoY+3.3% QoQ
|
-31.6% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.9% in tier |
| AMR |
$16,940
+43.4% YoY+14.0% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
6.2%
-33.3% YoY-24.9% QoQ
|
-18.3% | 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)