BlastPoint's Credit Union Scorecard
USX
Charter #2740 · PA
USX has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.06% above tier average
- + Total Delinquency Rate (60+ days): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 11.97% above tier (higher cost structure)
- - Member decline: -2.0% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits -0.0% year over year ($226M in shares and deposits).
- Membership: 19,029 members, -2.0% vs a year ago.
- Delinquency rate 0.18%.
- Return on assets 0.42%.
- Efficiency ratio 88.70% vs a 76.73% peer average.
- Loan-to-share ratio 63.80% vs a 71.54% 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 |
19,029
-2.0% YoY-0.6% QoQ
|
+3.9K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$258.1M
+0.7% YoY-0.8% QoQ
|
+$26.1M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
65% |
| Loans |
$144.1M
+9.8% YoY+5.2% QoQ
|
$-2.2M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
59% |
| Deposits |
$225.9M
-0.0% YoY-0.9% QoQ
|
+$25.2M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
0.4%
-66.2% YoY+18.8% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
3.7%
+13.9% YoY+2.8% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
88.7%
+21.7% YoY-1.8% QoQ
|
+12.0% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 14.8% in tier |
| Delinquency Rate |
0.2%
-59.6% YoY-32.9% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 9.3% in tier |
| Loan To Share |
63.8%
+9.8% YoY+6.2% QoQ
|
-7.7% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$19,442
+5.7% YoY+2.0% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
27.1%
+15.6% YoY+3.2% QoQ
|
+2.5% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
8.4%
+196.7% YoY+25.6% QoQ
|
-5.3% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)