BlastPoint's Credit Union Scorecard

BENCHMARK

Charter #3738 · PA

1069 CUs in 100M-500M nationally 61 in PA

BENCHMARK has 4 strengths but faces 15 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

+ Relationship Depth Leader: Top 85.0% in tier
+ Loan-to-Member Ratio (LMR): Top 1.6% in tier
+ Average Member Relationship (AMR): Top 2.0% in tier
+ Net Charge-Off Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 2.9% in tier
- Stagnation Risk: Bottom 8.0% in tier
- Membership Headwinds: Bottom 8.5% in tier
- Efficiency Drag: Bottom 16.0% in tier
- Credit Quality Pressure: Bottom 43.9% in tier
- Capital Constraint: Bottom 90.9% in tier
- ROA 0.88% below tier average
- Efficiency ratio 26.34% above tier (higher cost structure)
- Member decline: -9.0% YoY
- Net Interest Margin (NIM): Bottom 1.6% in tier
- Loan Growth Rate: Bottom 3.0% in tier
- Member Growth Rate: Bottom 3.9% in tier
- Deposit Growth Rate: Bottom 5.0% in tier
- First Mortgage Concentration (%): Bottom 5.6% in tier
- Asset Growth Rate: Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,943 -9.0% YoY-4.1% QoQ	-6.5K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	23%
Assets	$296.4M -3.0% YoY-0.4% QoQ	+$64.6M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	72%
Loans	$218.5M -10.0% YoY-2.3% QoQ	+$71.2M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	80%
Deposits	$251.0M -3.9% YoY-0.4% QoQ	+$50.2M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	71%

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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	-0.1% +52.8% YoY-583.0% QoQ	-0.9%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	Bottom 5.2% in tier
NIM	1.9% +0.2% YoY+0.7% QoQ	-1.8%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 1.5% in tier
Efficiency Ratio	103.4% +3.9% YoY+4.8% QoQ	+26.3%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Top 1.6% in tier
Delinquency Rate	0.5% +89.6% YoY+41.4% QoQ	-0.4	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	34%
Loan To Share	87.1% -6.3% YoY-2.0% QoQ	+14.8%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	79%
AMR	$52,497 +2.4% YoY+3.0% QoQ	+$28K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	Top 2.1% in tier
CD Concentration	37.0% -4.5% YoY-4.7% QoQ	+12.6%	24.4%	15.5%	19.8%	50%
Indirect Auto %	5.9% +32.9% YoY-6.3% QoQ	-7.9%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#228 of 268 • Top 85.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.37%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.8K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (6)

Institutional Decline

decline

#8 of 240 • Bottom 2.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $296.44M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -8.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -9.96%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#45 of 554 • Bottom 8.0% 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): -8.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -9.96%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.52%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#48 of 554 • Bottom 8.5% in tier

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

Why This Signature

Member Growth (YoY): -8.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#87 of 538 • Bottom 16.0% in tier

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

Why This Signature

Efficiency Ratio: 103.36%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.04% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -8.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#310 of 705 • Bottom 43.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.24% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Capital Constraint

risk

#21 of 23 • Bottom 90.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 87.07%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -3.87%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.31%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | 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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $24,435

Peer Median: -

#18 of 1069 Top 1.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $52,497

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.06%

Peer Median: -

#95 of 1069 Top 8.8% in 100M-500M tier

212

Total Loans

balance_sheet

Value: $218.52M

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

224

Loan-to-Share Ratio

balance_sheet

Value: 87.07%

Peer Median: -

#224 of 1069 Top 20.9% in 100M-500M tier

Top Weaknesses (11 metrics)

1053

Net Interest Margin (NIM)

profitability

Value: 1.85%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1053

Efficiency Ratio

profitability

Value: 103.36%

Peer Median: -

#1053 of 1069 Bottom 1.6% in 100M-500M tier

1038

Loan Growth Rate

growth

Value: -9.96%

Peer Median: -

#1038 of 1069 Bottom 3.0% in 100M-500M tier

1028

Member Growth Rate

growth

Value: -8.96%

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1017

Deposit Growth Rate

growth

Value: -3.87%

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

1013

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

1010

First Mortgage Concentration (%)

balance_sheet

Value: 61.04%

Peer Median: -

#1010 of 1069 Bottom 5.6% in 100M-500M tier

1009

Asset Growth Rate

growth

Value: -3.01%

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

955

Share Certificate Concentration (%)

balance_sheet

Value: 37.00%

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

870

Members Per Employee (MPE)

engagement

Value: 248.417

Peer Median: -

#870 of 1069 Bottom 18.7% in 100M-500M tier