BlastPoint's Credit Union Scorecard
COPPER & GLASS
Charter #2796 · PA
COPPER & GLASS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.12% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.1% in tier
- + AMR Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Delinquency rate 2.02% above tier average
- - Member decline: -2.9% YoY
- - Total Delinquency Rate (60+ days): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,255
-2.9% YoY-1.6% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$7.1M
-2.7% YoY-0.4% QoQ
|
$-22.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$5.1M
+32.1% YoY+6.4% QoQ
|
$-10.7M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$6.4M
-2.7% YoY+0.0% QoQ
|
$-19.1M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
28% |
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| ROA |
0.4%
-144.0% YoY+16.7% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
5.1%
-3.0% YoY+1.6% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Top 13.1% in tier |
| Efficiency Ratio |
77.6%
-14.9% YoY-2.9% QoQ
|
-3.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
3.5%
+49.4% YoY+263.1% QoQ
|
+2.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 9.9% in tier |
| Loan To Share |
79.1%
+35.8% YoY+6.4% QoQ
|
+17.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$9,133
+13.3% YoY+4.5% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
9.2%
-20.2% YoY-1.0% QoQ
|
-15.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)