BlastPoint's Credit Union Scorecard
OMEGA
Charter #3711 · PA
OMEGA has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.1% in tier
- + Organic Growth Leader: Top 31.1% in tier
- + Net Interest Margin 0.46% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.3% in tier
- - ROA 0.02% below tier average
- - Efficiency ratio 0.14% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,722
+0.7% YoY-0.4% QoQ
|
+93 |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$177.2M
+4.8% YoY+0.5% QoQ
|
$-54.1M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$124.0M
-0.7% YoY+1.2% QoQ
|
$-23.8M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$156.0M
+4.6% YoY+0.4% QoQ
|
$-44.3M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
0.8%
-9.4% YoY-1.7% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
4.0%
+0.2% YoY+1.0% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
77.4%
+2.3% YoY+0.9% QoQ
|
+0.1% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.7%
+18.5% YoY+6.0% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
79.5%
-5.1% YoY+0.8% QoQ
|
+6.8% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
61% |
| AMR |
$17,809
+1.5% YoY+1.1% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
21.8%
+38.9% YoY+16.0% QoQ
|
-2.7% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
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)