BlastPoint's Credit Union Scorecard

STANWOOD AREA

Charter #4088 · PA

<100M

2508 CUs in <100M nationally 186 in PA

STANWOOD AREA has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.18% above tier average
+ Net Interest Margin 0.41% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 1.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,253 +0.8% YoY-0.1% QoQ	-423	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	57%
Assets	$18.4M -3.4% YoY+1.6% QoQ	$-11.7M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	46%
Loans	$10.5M +0.0% YoY-0.2% QoQ	$-4.8M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	53%
Deposits	$16.5M -4.3% YoY+1.8% QoQ	$-9.3M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	47%

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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	0.3% +12.6% YoY-8.5% QoQ	+0.2%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	36%
NIM	4.4% +21.5% YoY+9.9% QoQ	+0.4%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	74%
Efficiency Ratio	88.2% +13.0% YoY+6.6% QoQ	-2.4%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	1.0% -42.4% YoY-33.6% QoQ	-0.5	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	65%
Loan To Share	63.6% +4.6% YoY-1.9% QoQ	+5.1%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	58%
AMR	$11,975 -3.5% YoY+1.1% QoQ	$-3K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	39%
CD Concentration	15.1% +18.9% YoY-5.7% QoQ	-9.1%	24.3%	15.4%	19.8%	50%
Indirect Auto %	48.5% +14.3% YoY+5.0% QoQ	+34.7%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (1 metrics)

516

Members Per Employee (MPE)

engagement

Value: 450.600

Peer Median: 333.750

#516 of 2508 Top 20.5% in <100M tier

Top Weaknesses (5 metrics)

2470

Indirect Auto Concentration (%)

balance_sheet

Value: 48.47%

Peer Median: 0.00%

#2470 of 2508 Bottom 1.6% in <100M tier

1997

Net Worth Ratio

risk

Value: 10.45%

Peer Median: 14.28%

#1997 of 2508 Bottom 20.4% in <100M tier

1995

Asset Growth Rate

growth

Value: -3.45%

Peer Median: 1.30%

#1995 of 2508 Bottom 20.5% in <100M tier

1979

Deposit Growth Rate

growth

Value: -4.33%

Peer Median: 0.66%

#1979 of 2508 Bottom 21.1% in <100M tier

1936

AMR Growth Rate

growth

Value: -3.46%

Peer Median: 1.27%

#1936 of 2508 Bottom 22.8% in <100M tier