BlastPoint's Credit Union Scorecard
NET
Charter #4792 · PA
NET has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 65.0% in tier
- + Wallet Share Momentum: Top 83.2% in tier
- + Strong member growth: 5.7% YoY
- + Member Growth Rate: Top 7.9% in tier
- + Asset Growth Rate: Top 8.1% in tier
- + Loan Growth Rate: Top 8.1% in tier
- + Deposit Growth Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 34.5% in tier
- - Efficiency Drag: Bottom 73.6% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 7.76% above tier (higher cost structure)
- - Delinquency rate 0.12% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,668
+5.7% YoY+1.6% QoQ
|
+4.2K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$339.3M
+11.7% YoY+5.3% QoQ
|
+$107.5M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$186.8M
+14.4% YoY+4.6% QoQ
|
+$39.5M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$309.8M
+10.6% YoY+5.5% QoQ
|
+$109.0M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.4%
+145.7% YoY-19.0% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.1%
+9.4% YoY-0.5% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
21% |
| Efficiency Ratio |
84.8%
-7.4% YoY-0.5% QoQ
|
+7.8% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.0%
-9.6% YoY-10.6% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
60.3%
+3.5% YoY-0.8% QoQ
|
-11.9% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$25,250
+6.0% YoY+3.5% QoQ
|
+$574 |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
30.4%
+9.1% YoY+11.6% QoQ
|
+6.0% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
26.7%
+19.5% YoY+8.4% QoQ
|
+12.9% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)