BlastPoint's Credit Union Scorecard
CHOICE ONE COMMUNITY
Charter #4240 · PA
CHOICE ONE COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.34% above tier average
- + Share Certificate Concentration (%): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.8% in tier
- - Membership Headwinds: Bottom 7.8% in tier
- - Stagnation Risk: Bottom 8.2% in tier
- - Institutional Decline: Bottom 11.8% in tier
- - Delinquency rate 0.83% above tier average
- - Member decline: -4.7% YoY
- - Loan Growth Rate: Bottom 7.6% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,908
-4.7% YoY-0.9% QoQ
|
-4.7K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$125.0M
-0.7% YoY-1.5% QoQ
|
$-106.3M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$79.7M
-6.9% YoY-1.0% QoQ
|
$-68.1M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$114.0M
-2.1% YoY-2.2% QoQ
|
$-86.2M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
20% |
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| ROA |
0.9%
+92.8% YoY-3.2% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
3.9%
+7.7% YoY+3.0% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
77.2%
-8.2% YoY+2.1% QoQ
|
-0.1% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.7%
+148.7% YoY+35.0% QoQ
|
+0.8 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 11.1% in tier |
| Loan To Share |
69.8%
-4.9% YoY+1.3% QoQ
|
-2.9% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$17,758
+0.6% YoY-0.8% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
21% |
| CD Concentration |
2.4%
-14.3% YoY-1.5% QoQ
|
-22.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.4%
-21.4% YoY-7.2% QoQ
|
-2.6% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)