BlastPoint's Credit Union Scorecard
USX
Charter #2740 · PA
USX has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 45.0% in tier
- - Deposit Outflow: Bottom 55.9% in tier
- - Membership Headwinds: Bottom 91.3% in tier
- - Stagnation Risk: Bottom 95.8% in tier
- - Efficiency ratio 2.76% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,234
-0.8% YoY-0.5% QoQ
|
+3.8K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$252.4M
+0.1% YoY-0.2% QoQ
|
+$20.6M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$135.3M
+3.7% YoY+0.8% QoQ
|
$-12.0M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
55% |
| Deposits |
$220.7M
-1.7% YoY-0.5% QoQ
|
+$19.9M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
0.9%
-1219.8% YoY-12.1% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.5%
+37.4% YoY+2.6% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
79.8%
-18.1% YoY+3.0% QoQ
|
+2.8% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.3%
-48.1% YoY-14.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
61.3%
+5.5% YoY+1.3% QoQ
|
-10.9% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
26% |
| AMR |
$18,509
+1.1% YoY+0.5% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
26.2%
+5.9% YoY+4.5% QoQ
|
+1.7% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
5.3%
+34.2% QoQ
|
-8.5% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)