BlastPoint's Credit Union Scorecard
GALAXY
Charter #4116 · PA
GALAXY has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 2.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,560
-1.2% YoY-0.3% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$68.9M
+8.2% YoY+2.3% QoQ
|
+$39.1M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 12.7% in tier |
| Loans |
$30.7M
-0.6% YoY+2.0% QoQ
|
+$14.9M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$56.3M
+8.5% YoY+2.2% QoQ
|
+$30.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 14.0% in tier |
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| ROA |
0.9%
+24.7% YoY+5.6% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
3.0%
+8.2% YoY+1.6% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
71.2%
-0.1% YoY-0.5% QoQ
|
-10.1% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.5%
-24.0% YoY-38.0% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
54.5%
-8.4% YoY-0.2% QoQ
|
-6.7% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
39% |
| AMR |
$19,082
+6.4% YoY+2.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
76% |
| CD Concentration |
32.4%
+22.9% YoY+8.6% QoQ
|
+8.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
44.1%
+3.0% YoY+1.0% QoQ
|
+30.1% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)