BlastPoint's Credit Union Scorecard
COPPER & GLASS
Charter #2796 · PA
COPPER & GLASS has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 2.0% in tier
- + AMR Growth Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 58.44% below tier average
- - Delinquency rate 5.30% above tier average
- - Member decline: -4.7% YoY
- - Efficiency Ratio: Bottom 0.0% in tier
- - Fee Income Per Member: Bottom 0.0% in tier
- - Net Worth Ratio: Bottom 0.0% in tier
- - Asset Growth Rate: Bottom 0.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,225
-4.7% YoY-2.4% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$5.3M
-24.9% YoY-26.3% QoQ
|
$-24.9M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$3.7M
-1.9% YoY-27.1% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$7.5M
+19.4% YoY+16.7% QoQ
|
$-18.2M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
-57.8%
+6844.6% YoY-14677.8% QoQ
|
-58.4% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
5.4%
+1.5% YoY+6.2% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 8.5% in tier |
| Efficiency Ratio | - | - |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
- |
| Delinquency Rate |
6.9%
+1147.7% YoY+94.3% QoQ
|
+5.3 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 3.5% in tier |
| Loan To Share |
49.4%
-17.9% YoY-37.6% QoQ
|
-11.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$9,112
+16.9% YoY-0.2% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
8.9%
-21.3% YoY-3.5% QoQ
|
-15.6% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)