BlastPoint's Credit Union Scorecard
COPPER & GLASS
Charter #2796 · PA
COPPER & GLASS has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.16% above tier average
Key Concerns
Areas that may need attention
- - ROA 6.01% below tier average
- - Efficiency ratio 74.97% above tier (higher cost structure)
- - Delinquency rate 5.43% above tier average
- - Member decline: -4.6% YoY
- - Net Worth Ratio: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.4% in tier
- - Net Charge-Off Rate: Bottom 1.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,225
-4.6% YoY0% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$4.7M
-37.4% YoY-11.5% QoQ
|
$-25.5M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
18% |
| Loans |
$3.5M
-15.1% YoY-5.8% QoQ
|
$-11.8M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
27% |
| Deposits |
$7.2M
+7.9% YoY-3.4% QoQ
|
$-18.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
29% |
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| ROA |
-5.9%
+788.5% YoY-89.9% QoQ
|
-6.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 1.5% in tier |
| NIM |
5.2%
+0.6% YoY-3.7% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 9.5% in tier |
| Efficiency Ratio |
165.6%
+103.0% YoY
|
+75.0% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
6.9%
+204.8% YoY+1.2% QoQ
|
+5.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 3.7% in tier |
| Loan To Share |
48.1%
-21.4% YoY-2.5% QoQ
|
-10.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$8,732
+3.9% YoY-4.2% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
8.3%
-22.7% YoY-6.0% 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)