BlastPoint's Credit Union Scorecard

BENCHMARK

Charter #3738 · PA

1077 CUs in 100M-500M nationally 61 in PA

BENCHMARK has 3 strengths but faces 13 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

+ Credit Quality Leader: Top 91.7% in tier
+ Loan-to-Member Ratio (LMR): Top 1.8% in tier
+ Average Member Relationship (AMR): Top 1.9% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 1.7% in tier
- Efficiency Drag: Bottom 4.4% in tier
- Membership Headwinds: Bottom 5.2% in tier
- Stagnation Risk: Bottom 9.9% in tier
- Credit Quality Pressure: Bottom 25.3% in tier
- ROA 0.76% below tier average
- Efficiency ratio 21.34% above tier (higher cost structure)
- Member decline: -6.0% YoY
- Net Interest Margin (NIM): Bottom 1.6% in tier
- Loan Growth Rate: Bottom 4.0% in tier
- First Mortgage Concentration (%): Bottom 5.8% in tier
- Member Growth Rate: Bottom 7.1% in tier
- Share Certificate Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	9,330 -6.0% YoY-1.0% QoQ	-6.3K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	25%
Assets	$297.8M -0.9% YoY-3.4% QoQ	+$66.5M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	72%
Loans	$223.8M -9.7% YoY-4.9% QoQ	+$76.0M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	81%
Deposits	$251.8M -1.1% YoY-4.3% QoQ	+$51.6M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	72%

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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	0.0% -243.7% YoY-110.2% QoQ	-0.8%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	Bottom 7.5% in tier
NIM	1.8% -2.4% YoY+2.9% QoQ	-1.7%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	Bottom 1.5% in tier
Efficiency Ratio	98.6% +2.0% YoY-9.7% QoQ	+21.3%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	Top 2.9% in tier
Delinquency Rate	0.4% +11.8% YoY+226.4% QoQ	-0.5	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	24%
Loan To Share	88.8% -8.7% YoY-0.6% QoQ	+16.1%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	82%
AMR	$50,975 +0.7% YoY-3.5% QoQ	+$27K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Top 2.0% in tier
CD Concentration	38.8% +0.9% YoY+3.2% QoQ	+14.4%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	6.3% +35.0% YoY-1.3% QoQ	-7.7%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#312 of 340 • Top 91.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#14 of 256 • Bottom 1.7% in tier

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

Why This Signature

Total Assets: $297.75M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -6.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Efficiency Drag

risk

#78 of 521 • Bottom 4.4% in tier

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

Why This Signature

Efficiency Ratio: 98.62%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -6.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline

#87 of 550 • Bottom 5.2% in tier

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

Why This Signature

Member Growth (YoY): -6.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#164 of 550 • Bottom 9.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.75%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.36%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk

#627 of 736 • Bottom 25.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (6 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $23,982

Peer Avg: -

#20 of 1077 Top 1.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $50,975

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

150

Net Charge-Off Rate

risk

Value: 0.09%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

190

Loan-to-Share Ratio

balance_sheet

Value: 88.85%

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

207

Total Loans

balance_sheet

Value: $223.75M

Peer Avg: -

#207 of 1077 Top 19.1% in 100M-500M tier

254

Total Delinquency Rate (60+ days)

risk

Value: 0.36%

Peer Avg: -

#254 of 1077 Top 23.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1061

Net Interest Margin (NIM)

profitability

Value: 1.84%

Peer Avg: -

#1061 of 1077 Bottom 1.6% in 100M-500M tier

1047

Efficiency Ratio

profitability

Value: 98.62%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1035

Loan Growth Rate

growth

Value: -9.75%

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

1015

First Mortgage Concentration (%)

balance_sheet

Value: 60.54%

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

1001

Member Growth Rate

growth

Value: -6.00%

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

996

Return on Assets (ROA)

profitability

Value: 0.03%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

976

Share Certificate Concentration (%)

balance_sheet

Value: 38.84%

Peer Avg: -

#976 of 1077 Bottom 9.5% in 100M-500M tier

944

Deposit Growth Rate

growth

Value: -1.11%

Peer Avg: -

#944 of 1077 Bottom 12.4% in 100M-500M tier

923

Asset Growth Rate

growth

Value: -0.86%

Peer Avg: -

#923 of 1077 Bottom 14.4% in 100M-500M tier

875

Members Per Employee (MPE)

engagement

Value: 252.162

Peer Avg: -

#875 of 1077 Bottom 18.8% in 100M-500M tier