BlastPoint's Credit Union Scorecard

OMEGA

Charter #3711 · PA

100M-500M
1024 CUs in 100M-500M nationally 62 in PA

OMEGA has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 50.0% in tier
  • + Organic Growth Engine: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.31% below tier average
  • - Efficiency ratio 4.79% above tier (higher cost structure)
  • - Delinquency rate 0.10% above tier average
  • - Fee Income Per Member: Bottom 6.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
  • Shares and deposits +5.8% year over year ($164M in shares and deposits).
  • Membership: 16,032 members, +1.6% vs a year ago.
  • Delinquency rate 0.99%.
  • Return on assets 0.55%.
  • Efficiency ratio 81.52% vs a 76.73% peer average.
  • Loan-to-share ratio 77.10% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 16,032
+1.6% YoY+5.5% QoQ
 +863 15,168
-2.6% YoY
 18,280
+5.8% YoY
 34,678
+6.6% YoY
 63%
Assets $186.9M
+5.9% YoY+2.6% QoQ
 $-45.1M $232.0M
+0.7% YoY
 $308.6M
+9.9% YoY
 $593.1M
+10.2% YoY
 46%
Loans $126.7M
+3.4% YoY+3.4% QoQ
 $-19.6M $146.3M
+0.2% YoY
 $207.1M
+9.1% YoY
 $418.6M
+10.1% YoY
 51%
Deposits $164.3M
+5.8% YoY+2.7% QoQ
 $-36.4M $200.7M
+0.2% YoY
 $264.2M
+9.3% YoY
 $504.8M
+10.3% YoY
 47%

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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 0.6%
-29.1% YoY-6.9% QoQ
 -0.3% 0.9%
+12.5% YoY
 1.0%
+23.3% YoY
 1.2%
+121.4% YoY
 32%
NIM 4.0%
-0.2% YoY+1.7% QoQ
 +0.3% 3.7%
+4.5% YoY
 3.5%
+2.1% YoY
 3.8%
+2.3% YoY
 70%
Efficiency Ratio 81.5%
+6.2% YoY+1.7% QoQ
 +4.8% 76.7%
-0.8% YoY
 76.6%
-2.6% YoY
 83.0%
-5.3% YoY
 63%
Delinquency Rate 1.0%
+53.6% YoY+54.2% QoQ
 +0.1 0.9%
+6.6% YoY
 1.2%
-8.4% YoY
 1.3%
+2.6% YoY
 68%
Loan To Share 77.1%
-2.3% YoY+0.6% QoQ
 +5.6% 71.5%
-0.3% YoY
 53.4%
-2.0% YoY
 66.4%
-1.4% YoY
 58%
AMR $18,154
+3.1% YoY-2.4% QoQ
 $-7K $25,107
+3.2% YoY
 $16,967
+3.7% YoY
 $20,028
-0.9% YoY
 21%
CD Concentration 22.0%
+17.2% YoY+0.6% QoQ
 -2.6% 24.6% 15.6% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 8.4% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth
#247 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.58%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally
↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth
#275 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.58%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 0.55%
(Tier: 0.85%, National: 1.23%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally
↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth
#171 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.55%
(Tier: 0.85%, National: 1.23%)
but worse than tier avg
Member Growth (YoY): 1.58%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#215 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally
↓ Shrinking -83 CUs YoY | Rank improving

Credit Risk Growth

risk
#248 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.37%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Change (YoY): 0.34% points
(Tier: 0.04% points, National: 0.08% points)
worse than tier avg
472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally
↑ Growing +32 CUs YoY | New qualifier

Efficiency Drag

risk
#395 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.52%
(Tier: 76.58%, National: 82.97%)
worse than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
Member Growth (YoY): 1.58%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally
↓ Shrinking -37 CUs YoY | New qualifier

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)

Comparing against 1024 peers in tier

Top Strengths (2 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
246
Members Per Employee (MPE)
engagement
Value: 381.714
Peer Median: 310.924
#246 of 1024 Top 23.9% in 100M-500M tier

Top Weaknesses (2 metrics)

954
Fee Income Per Member
profitability
Value: $76.65
Peer Median: $159.88
#954 of 1024 Bottom 6.9% in 100M-500M tier
812
Average Member Relationship (AMR)
engagement
Value: $18,154
Peer Median: $23,006
#812 of 1024 Bottom 20.8% in 100M-500M tier
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