BlastPoint's Credit Union Scorecard
TOP TIER
Charter #3655 · PA
TOP TIER has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.6% in tier
- + Wallet Share Momentum: Top 78.3% in tier
- + ROA 0.56% above tier average
- + Strong member growth: 6.6% YoY
- + Asset Growth Rate: Top 3.4% in tier
- + Deposit Growth Rate: Top 3.5% in tier
- + Member Growth Rate: Top 6.0% in tier
- + Net Charge-Off Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 34.7% in tier
- - Indirect Auto Dependency: Bottom 38.8% in tier
- - Credit Quality Pressure: Bottom 67.9% in tier
- - Share Certificate Concentration (%): Bottom 1.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,259
+6.6% YoY+1.7% QoQ
|
+1.8K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$254.0M
+15.4% YoY+4.6% QoQ
|
+$22.1M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$194.1M
+10.9% YoY+1.9% QoQ
|
+$46.8M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$226.7M
+15.4% YoY+4.7% QoQ
|
+$25.9M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
1.3%
+23.4% YoY-15.6% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
2.9%
+12.4% YoY-7.2% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
62.9%
-6.6% YoY+5.4% QoQ
|
-14.1% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.5%
+29.1% YoY-13.9% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
85.6%
-3.9% YoY-2.7% QoQ
|
+13.4% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$24,381
+6.2% YoY+1.6% QoQ
|
$-295 |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
50.0%
+10.2% YoY+1.7% QoQ
|
+25.6% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
23.7%
-4.8% YoY-0.1% QoQ
|
+9.9% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)