BlastPoint's Credit Union Scorecard

SOUTHWEST COMMUNITIES

Charter #3278 · PA

<100M

2508 CUs in <100M nationally 186 in PA

SOUTHWEST COMMUNITIES 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

- ROA 0.26% below tier average
- Efficiency ratio 12.25% above tier (higher cost structure)
- Member decline: -4.7% YoY
- Asset Growth Rate: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,817 -4.7% YoY-2.6% QoQ	-859	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	48%
Assets	$19.0M -6.6% YoY+0.6% QoQ	$-11.2M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	47%
Loans	$6.0M -7.0% YoY-3.5% QoQ	$-9.3M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	38%
Deposits	$17.1M -7.5% YoY+0.7% QoQ	$-8.7M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	48%

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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% -118.8% YoY-124.5% QoQ	-0.3%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	19%
NIM	3.5% -5.1% YoY-10.7% QoQ	-0.6%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	102.9% +21.7% YoY+20.4% QoQ	+12.3%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Bottom 13.7% in tier
Delinquency Rate	0.1% -96.5% YoY-92.0% QoQ	-1.4	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	18%
Loan To Share	35.1% +0.6% YoY-4.2% QoQ	-23.4%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	16%
AMR	$12,716 -2.9% YoY+2.2% QoQ	$-2K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	43%
CD Concentration	5.7% +4.1% YoY-1.5% QoQ	-18.5%	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 (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

460

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.65%

#460 of 2508 Top 18.3% in <100M tier

Top Weaknesses (9 metrics)

2259

Asset Growth Rate

growth

Value: -6.57%

Peer Median: 1.30%

#2259 of 2508 Bottom 10.0% in <100M tier

2235

Deposit Growth Rate

growth

Value: -7.53%

Peer Median: 0.66%

#2235 of 2508 Bottom 10.9% in <100M tier

2166

Efficiency Ratio

profitability

Value: 102.89%

Peer Median: 81.45%

#2166 of 2508 Bottom 13.7% in <100M tier

2097

Loan-to-Share Ratio

balance_sheet

Value: 35.08%

Peer Median: 58.72%

#2097 of 2508 Bottom 16.4% in <100M tier

2085

Net Charge-Off Rate

risk

Value: 0.84%

Peer Median: 0.07%

#2085 of 2508 Bottom 16.9% in <100M tier

2077

Net Worth Ratio

risk

Value: 9.98%

Peer Median: 14.28%

#2077 of 2508 Bottom 17.2% in <100M tier

2057

First Mortgage Concentration (%)

balance_sheet

Value: 33.29%

Peer Median: 3.66%

#2057 of 2508 Bottom 18.0% in <100M tier

2045

Member Growth Rate

growth

Value: -4.67%

Peer Median: -1.37%

#2045 of 2508 Bottom 18.5% in <100M tier

2035

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Median: 0.61%

#2035 of 2508 Bottom 18.9% in <100M tier