BlastPoint's Credit Union Scorecard
ALLEGHENY VALLEY
Charter #4756 · PA
ALLEGHENY VALLEY has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 3.0% in tier
- + Net Worth Ratio: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 3.15% above tier (higher cost structure)
- - Member decline: -7.4% YoY
- - Loan-to-Share Ratio: Bottom 7.2% in tier
- - Loan Growth Rate: Bottom 9.5% in tier
- - Member Growth Rate: Bottom 9.8% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -3.9% year over year ($7.4M in shares and deposits).
- Membership: 786 members, -7.4% vs a year ago.
- Delinquency rate 0.12%.
- Return on assets 0.24%.
- Efficiency ratio 91.92% vs a 88.77% peer average.
- Loan-to-share ratio 24.46% vs a 58.89% 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 |
786
-7.4% YoY-1.1% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$10.8M
-2.6% YoY-0.5% QoQ
|
$-19.5M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$1.8M
-17.1% YoY-4.1% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$7.4M
-3.9% YoY-0.8% QoQ
|
$-18.4M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.2%
-194.0% YoY+42.6% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
2.8%
+17.1% YoY+2.9% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
91.9%
-11.1% YoY-2.6% QoQ
|
+3.2% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.1%
-93.7% YoY+44.3% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
24.5%
-13.7% YoY-3.4% QoQ
|
-34.4% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.1% in tier |
| AMR |
$11,740
+0.6% YoY-0.4% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
32.5%
-0.8% YoY-1.1% QoQ
|
+7.9% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)