BlastPoint's Credit Union Scorecard
MULTI-SCHOOLS
Charter #2612 · PA
MULTI-SCHOOLS has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.08% below tier average
- - Delinquency rate 0.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
734
-1.6% YoY-1.2% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$5.0M
-3.3% YoY-3.6% QoQ
|
$-25.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$3.6M
-3.9% YoY-2.7% QoQ
|
$-11.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.3M
-4.0% YoY-4.2% QoQ
|
$-21.4M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
20% |
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| ROA |
0.1%
-92.5% YoY-88.3% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
4.4%
-2.7% YoY+1.3% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
85.3%
+6.3% YoY-1.9% QoQ
|
-5.3% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
59% |
| Delinquency Rate |
1.7%
+73.4% YoY-12.8% QoQ
|
+0.2 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
77% |
| Loan To Share |
84.0%
+0.1% YoY+1.5% QoQ
|
+25.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Top 14.1% in tier |
| AMR |
$10,862
-2.4% YoY-2.3% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
32.1%
+11.5% YoY-7.6% QoQ
|
+7.9% | 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)