BlastPoint's Credit Union Scorecard

OMEGA

Charter #3711 · PA

100M-500M
1070 CUs in 100M-500M nationally 62 in PA

OMEGA has 2 strengths but faces 8 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

  • + Wallet Share Momentum: Top 50.0% in tier
  • + Net Interest Margin 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Stagnation Risk: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - ROA 0.13% below tier average
  • - Efficiency ratio 2.13% above tier (higher cost structure)
  • - Member decline: -4.4% YoY
  • - Fee Income Per Member: Bottom 9.1% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 15,198
-4.4% YoY-0.6% QoQ
 +52 15,145
-2.5% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 60%
Assets $182.2M
+3.8% YoY+3.0% QoQ
 $-49.6M $231.7M
+0.8% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 44%
Loans $122.6M
-0.3% YoY-0.9% QoQ
 $-21.6M $144.1M
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 51%
Deposits $160.0M
+3.1% YoY+3.1% QoQ
 $-41.2M $201.1M
+0.4% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 45%

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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%
-11.4% YoY-20.6% QoQ
 -0.1% 0.7%
+5.1% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 42%
NIM 3.9%
-1.8% YoY-3.7% QoQ
 +0.3% 3.6%
+4.6% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 70%
Efficiency Ratio 80.1%
+1.4% YoY+2.8% QoQ
 +2.1% 78.0%
-1.7% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 56%
Delinquency Rate 0.6%
+150.9% YoY-7.5% QoQ
 -0.1 0.8%
+7.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 52%
Loan To Share 76.6%
-3.3% YoY-3.9% QoQ
 +6.2% 70.4%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 59%
AMR $18,592
+6.3% YoY+1.9% QoQ
 $-6K $24,918
+2.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 24%
CD Concentration 21.9%
+24.2% YoY-0.7% QoQ
 -2.4% 24.3% 15.4% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 8.3% 7.7% 50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth
#347 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 6.29%
(Tier: 3.74%, National: 6.36%)
better than tier avg
491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally
↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk
#174 of 727 • 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): 0.38% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Membership Headwinds

decline
#150 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -4.43%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally
→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk
#154 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -4.43%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
Loan Growth (YoY): -0.33%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Rate: 0.64%
(Tier: 0.76%, National: 1.19%)
but better than tier avg
570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally
→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk
#504 of 596 • 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: 80.15%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.08% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): -4.43%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 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 1070 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
237
Members Per Employee (MPE)
engagement
Value: 389.692
Peer Median: 309.176
#237 of 1070 Top 22.1% in 100M-500M tier
267
AMR Growth Rate
growth
Value: 6.29%
Peer Median: 3.46%
#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (3 metrics)

974
Fee Income Per Member
profitability
Value: $76.55
Peer Median: $154.95
#974 of 1070 Bottom 9.1% in 100M-500M tier
943
Member Growth Rate
growth
Value: -4.43%
Peer Median: -0.06%
#943 of 1070 Bottom 12.0% in 100M-500M tier
813
Average Member Relationship (AMR)
engagement
Value: $18,592
Peer Median: $22,931
#813 of 1070 Bottom 24.1% in 100M-500M tier
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