BlastPoint's Credit Union Scorecard
TOP TIER
Charter #3655 · PA
TOP TIER has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 2.3% in tier
- + Emerging Performer: Top 4.2% in tier
- + Profitability Leader: Top 38.4% in tier
- + Wallet Share Momentum: Top 85.4% in tier
- + ROA 0.78% above tier average
- + Strong member growth: 6.7% YoY
- + Asset Growth Rate: Top 4.1% in tier
- + Deposit Growth Rate: Top 4.4% in tier
- + Member Growth Rate: Top 5.8% in tier
- + Efficiency Ratio: Top 8.2% in tier
- + Net Charge-Off Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 12.1% in tier
- - Credit Risk Growth: Bottom 18.8% in tier
- - Credit Quality Pressure: Bottom 27.4% in tier
- - Share Certificate Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,964
+6.7% YoY+1.7% QoQ
|
+1.3K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$242.8M
+14.1% YoY+4.1% QoQ
|
+$11.5M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
62% |
| Loans |
$190.4M
+10.9% YoY+3.4% QoQ
|
+$42.6M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$216.5M
+14.3% YoY+4.0% QoQ
|
+$16.2M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
63% |
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| ROA |
1.6%
+24.4% YoY-0.5% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 10.6% in tier |
| NIM |
3.1%
+14.3% YoY-0.7% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
59.7%
-5.9% YoY-0.1% QoQ
|
-17.6% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.2% in tier |
| Delinquency Rate |
0.6%
+3.7% YoY+89.5% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
45% |
| Loan To Share |
88.0%
-3.0% YoY-0.7% QoQ
|
+15.3% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$23,986
+5.6% YoY+2.0% QoQ
|
$-378 |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
49.2%
+9.2% YoY+6.0% QoQ
|
+24.7% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
23.7%
-4.6% YoY-3.3% QoQ
|
+9.7% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)