BlastPoint's Credit Union Scorecard
A & S
Charter #3741 · PA
A & S has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.41% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -2.4% year over year ($33.3M in shares and deposits).
- Membership: 2,394 members, +2.7% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 1.90%.
- Efficiency ratio 60.10% vs a 88.77% peer average.
- Loan-to-share ratio 37.90% vs a 58.89% 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 |
2,394
+2.7% YoY+0.9% QoQ
|
-191 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$39.3M
-0.4% YoY-1.7% QoQ
|
+$9.1M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$12.6M
+8.8% YoY+2.4% QoQ
|
$-2.8M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$33.3M
-2.4% YoY-2.4% QoQ
|
+$7.5M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
1.9%
+24.2% YoY+0.9% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Top 11.1% in tier |
| NIM |
3.7%
+10.3% YoY-2.0% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
60.1%
-2.2% YoY+1.3% QoQ
|
-28.7% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
0.6%
+504.3% YoY+447.2% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
37.9%
+11.5% YoY+4.9% QoQ
|
-21.0% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
19% |
| AMR |
$19,201
-2.2% YoY-2.0% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
8.3%
+61.4% YoY+42.1% QoQ
|
-16.2% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
18.4%
+33.3% QoQ
|
+4.7% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)