BlastPoint's Credit Union Scorecard
CHOICE ONE COMMUNITY
Charter #4240 · PA
CHOICE ONE COMMUNITY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.18% above tier average
- + Share Certificate Concentration (%): Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 9.93% above tier (higher cost structure)
- - Delinquency rate 1.98% above tier average
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +2.1% year over year ($119M in shares and deposits).
- Membership: 10,625 members, -3.5% vs a year ago.
- Delinquency rate 2.86%.
- Return on assets 0.34%.
- Efficiency ratio 86.66% vs a 76.73% peer average.
- Loan-to-share ratio 63.39% vs a 71.54% 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 |
10,625
-3.5% YoY-1.0% QoQ
|
-4.5K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
35% |
| Assets |
$130.9M
+3.1% YoY-0.4% QoQ
|
$-101.1M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$75.5M
-6.1% YoY-1.1% QoQ
|
$-70.8M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
21% |
| Deposits |
$119.1M
+2.1% YoY-0.6% QoQ
|
$-81.6M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.3%
-62.9% YoY+98.2% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.9%
+1.5% YoY+1.4% QoQ
|
+0.2% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
63% |
| Efficiency Ratio |
86.7%
+14.7% YoY-1.1% QoQ
|
+9.9% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
2.9%
+128.7% YoY+12.5% QoQ
|
+2.0 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
63.4%
-8.1% YoY-0.5% QoQ
|
-8.2% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$18,315
+2.4% YoY+0.1% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration |
3.0%
+23.3% YoY+7.9% QoQ
|
-21.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
9.2%
-25.1% YoY-5.7% QoQ
|
-4.4% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)