BlastPoint's Credit Union Scorecard

COLFAX POWER PLANT EMPLOYEES

Charter #3237 · PA

<100M

2508 CUs in <100M nationally 186 in PA

COLFAX POWER PLANT EMPLOYEES faces 4 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency ratio 5.65% above tier (higher cost structure)
- Delinquency rate 3.94% above tier average
- Share Certificate Concentration (%): Bottom 2.2% in tier
- Total Delinquency Rate (60+ days): Bottom 5.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,064 -0.4% YoY-0.7% QoQ	-1.6K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	30%
Assets	$8.3M +2.5% YoY+0.5% QoQ	$-21.9M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	28%
Loans	$5.9M +3.0% YoY-5.4% QoQ	$-9.4M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	38%
Deposits	$7.3M +2.5% YoY+0.7% QoQ	$-18.5M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% -115.9% YoY	+0.0%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	27%
NIM	3.1% +2.0% YoY+2.9% QoQ	-0.9%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	21%
Efficiency Ratio	96.3% -0.6% YoY+2.1% QoQ	+5.7%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	5.4% +3.6% YoY+0.3% QoQ	+3.9	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	Bottom 5.3% in tier
Loan To Share	81.1% +0.5% YoY-6.1% QoQ	+22.6%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	83%
AMR	$12,355 +3.1% YoY-1.4% QoQ	$-3K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	41%
CD Concentration	54.9% +9.8% YoY-1.9% QoQ	+30.7%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

301

Members Per Employee (MPE)

engagement

Value: 532.000

Peer Median: 333.750

#301 of 2508 Top 12.0% in <100M tier

421

Loan-to-Share Ratio

balance_sheet

Value: 81.10%

Peer Median: 58.72%

#421 of 2508 Top 16.7% in <100M tier

Top Weaknesses (6 metrics)

2455

Share Certificate Concentration (%)

balance_sheet

Value: 54.94%

Peer Median: 12.45%

#2455 of 2508 Bottom 2.2% in <100M tier

2375

Total Delinquency Rate (60+ days)

risk

Value: 5.44%

Peer Median: 0.65%

#2375 of 2508 Bottom 5.3% in <100M tier

2143

Net Charge-Off Rate

risk

Value: 0.95%

Peer Median: 0.07%

#2143 of 2508 Bottom 14.6% in <100M tier

2014

Efficiency Ratio

profitability

Value: 96.28%

Peer Median: 81.45%

#2014 of 2508 Bottom 19.7% in <100M tier

1983

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.83%

#1983 of 2508 Bottom 21.0% in <100M tier

1903

Net Worth Ratio

risk

Value: 10.94%

Peer Median: 14.28%

#1903 of 2508 Bottom 24.2% in <100M tier