BlastPoint's Credit Union Scorecard
SCA
Charter #444 · PA
SCA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,667
-2.6% YoY-0.2% QoQ
|
-958 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
44% |
| Assets |
$16.6M
+1.4% YoY-1.1% QoQ
|
$-13.2M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
44% |
| Loans |
$7.8M
-4.8% YoY-1.7% QoQ
|
$-8.0M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$13.5M
-0.2% YoY-1.8% QoQ
|
$-11.9M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
43% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.4%
-10.6% YoY+1.5% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.9%
-2.5% YoY+0.1% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
50% |
| Efficiency Ratio |
68.7%
+4.1% YoY-0.6% QoQ
|
-12.7% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.1%
-86.0% YoY+46.8% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
57.3%
-4.6% YoY+0.1% QoQ
|
-3.9% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
44% |
| AMR |
$12,770
+0.7% YoY-1.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
26.7%
+9.3% YoY+7.4% QoQ
|
+2.2% |
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)
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)