BlastPoint's Credit Union Scorecard

SCA

Charter #444 · PA

<100M

2508 CUs in <100M nationally 186 in PA

SCA has 1 strength 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 1.15% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,647 -2.3% YoY-0.4% QoQ	-1.0K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	44%
Assets	$17.2M +3.9% YoY+2.3% QoQ	$-13.0M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	44%
Loans	$7.1M -10.8% YoY-3.4% QoQ	$-8.2M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	43%
Deposits	$14.0M +3.0% YoY+2.4% QoQ	$-11.8M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	43%

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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	1.3% -6.2% YoY-9.1% QoQ	+1.1%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	79%
NIM	3.6% -6.6% YoY-6.9% QoQ	-0.4%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	42%
Efficiency Ratio	69.4% +0.1% YoY+1.0% QoQ	-21.3%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.1% -72.0% YoY-68.6% QoQ	-1.4	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	23%
Loan To Share	50.9% -13.3% YoY-5.6% QoQ	-7.6%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	38%
AMR	$12,781 +0.2% YoY+0.7% QoQ	$-2K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	44%
CD Concentration	24.5% -6.3% YoY-2.0% QoQ	+0.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

520

Return on Assets (ROA)

profitability

Value: 1.29%

Peer Median: 0.61%

#520 of 2508 Top 20.7% in <100M tier

568

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Median: 0.65%

#568 of 2508 Top 22.6% in <100M tier

585

Net Worth Ratio

risk

Value: 19.61%

Peer Median: 14.28%

#585 of 2508 Top 23.3% in <100M tier

614

Efficiency Ratio

profitability

Value: 69.36%

Peer Median: 81.45%

#614 of 2508 Top 24.4% in <100M tier

Top Weaknesses (1 metrics)

2001

Loan Growth Rate

growth

Value: -10.76%

Peer Median: -2.36%

#2001 of 2508 Bottom 20.3% in <100M tier