BlastPoint's Credit Union Scorecard

ALLEGHENY LUDLUM BRACKENRIDGE

Charter #4095 ยท PA

2596 CUs in <100M nationally 198 in PA

ALLEGHENY LUDLUM BRACKENRIDGE has 7 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.96% above tier average
  • + Total Delinquency Rate (60+ days): Top 0.0% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Share Certificate Concentration (%): Top 0.0% in tier
  • + Net Charge-Off Rate: Top 9.4% in tier
  • + Efficiency Ratio: Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Member decline: -2.9% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 2,269
-2.9% YoY-0.8% QoQ
-356 2,625
-2.2% YoY
17,552
+5.9% YoY
33,089
+6.1% YoY
57%
Assets $23.5M
+3.4% YoY-3.5% QoQ
$-6.4M $29.9M
+1.1% YoY
$283.8M
+10.6% YoY
$547.7M
+7.8% YoY
52%
Loans $9.5M
+3.1% YoY+2.8% QoQ
$-6.3M $15.8M
-2.4% YoY
$193.1M
+8.6% YoY
$388.7M
+8.6% YoY
50%
Deposits $18.4M
+2.2% YoY-4.8% QoQ
$-7.0M $25.5M
+0.4% YoY
$243.3M
+10.9% YoY
$464.6M
+9.3% YoY
50%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.6%
+20.4% YoY-8.9% QoQ
+1.0% 0.7%
-731.4% YoY
0.8%
+22.9% YoY
0.7%
+273.4% YoY
84%
NIM 3.8%
+9.6% YoY-0.2% QoQ
-0.1% 3.9%
+3.8% YoY
3.5%
+4.5% YoY
3.7%
+5.0% YoY
48%
Efficiency Ratio 55.7%
-10.2% YoY+1.0% QoQ
-25.7% 81.4%
-2.4% YoY
76.2%
-1.5% YoY
79.1%
-3.3% YoY
Bottom 10.0% in tier
Delinquency Rate 0.0%
-100.0% YoY
-1.5 1.5%
-2.0% YoY
1.3%
-8.2% YoY
1.2%
-0.9% YoY
Bottom 0.0% in tier
Loan To Share 51.4%
+0.8% YoY+8.0% QoQ
-9.8% 61.2%
-3.0% YoY
55.4%
-2.3% YoY
68.0%
-1.7% YoY
34%
AMR $12,295
+5.6% YoY-1.6% QoQ
$-2K $14,627
-2.7% YoY
$16,339
+4.2% YoY
$19,418
+1.3% YoY
41%
CD Concentration 0.0% -24.4% 24.4%
+4.2% YoY
15.5%
+9.2% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
8.0%
+2.0% YoY
7.9%
-2.9% YoY
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)

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

1
Total Delinquency Rate (60+ days)
risk
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: -
#246 of 2596 Top 9.4% in <100M tier
260
Efficiency Ratio
profitability
Value: 55.65%
Peer Avg: -
#260 of 2596 Top 10.0% in <100M tier
419
Return on Assets (ROA)
profitability
Value: 1.65%
Peer Avg: -
#419 of 2596 Top 16.1% in <100M tier
454
Net Worth Ratio
risk
Value: 21.59%
Peer Avg: -
#454 of 2596 Top 17.4% in <100M tier
612
AMR Growth Rate
growth
Value: 5.58%
Peer Avg: -
#612 of 2596 Top 23.5% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available
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