BlastPoint's Credit Union Scorecard

NET

Charter #4792 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

NET has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Strong member growth: 6.5% YoY
+ Loan Growth Rate: Top 3.8% in tier
+ Member Growth Rate: Top 6.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.42% below tier average
- Efficiency ratio 9.57% above tier (higher cost structure)
- Delinquency rate 0.36% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	20,066 +6.5% YoY+2.0% QoQ	+4.9K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	77%
Assets	$344.2M +7.3% YoY+1.4% QoQ	+$112.5M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	80%
Loans	$198.9M +19.1% YoY+6.4% QoQ	+$54.7M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	76%
Deposits	$314.6M +6.3% YoY+1.5% QoQ	+$113.4M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	84%

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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	0.3% -288.1% YoY-14.2% QoQ	-0.4%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	24%
NIM	3.3% +18.2% YoY+8.4% QoQ	-0.3%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	87.6% -9.2% YoY+3.3% QoQ	+9.6%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	79%
Delinquency Rate	1.1% +90.4% YoY+11.4% QoQ	+0.4	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	81%
Loan To Share	63.2% +12.1% YoY+4.8% QoQ	-7.2%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	32%
AMR	$25,587 +4.2% YoY+1.3% QoQ	+$669	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	65%
CD Concentration	26.9% -2.6% YoY-11.5% QoQ	+2.6%	24.3%	15.4%	19.8%	50%
Indirect Auto %	29.6% +26.5% YoY+10.9% QoQ	+15.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#11 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 19.12%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.54% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#102 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.54% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#196 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.28%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 29.58%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 6.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#498 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 87.59%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.47% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 6.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 19.12%

Peer Median: 2.93%

#42 of 1070 Top 3.8% in 100M-500M tier

Member Growth Rate

growth

Value: 6.47%

Peer Median: -0.06%

#75 of 1070 Top 6.9% in 100M-500M tier

173

Total Deposits

balance_sheet

Value: $314.57M

Peer Median: $171.29M

#173 of 1070 Top 16.1% in 100M-500M tier

212

Total Assets

balance_sheet

Value: $344.23M

Peer Median: $196.57M

#212 of 1070 Top 19.7% in 100M-500M tier

241

Asset Growth Rate

growth

Value: 7.28%

Peer Median: 3.91%

#241 of 1070 Top 22.4% in 100M-500M tier

243

Total Members

engagement

Value: 20,066

Peer Median: 13,200

#243 of 1070 Top 22.6% in 100M-500M tier

248

Fee Income Per Member

profitability

Value: $205.67

Peer Median: $154.95

#248 of 1070 Top 23.1% in 100M-500M tier

258

Total Loans

balance_sheet

Value: $198.87M

Peer Median: $121.41M

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (4 metrics)

904

Indirect Auto Concentration (%)

balance_sheet

Value: 29.58%

Peer Median: 6.61%

#904 of 1070 Bottom 15.6% in 100M-500M tier

869

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: 0.61%

#869 of 1070 Bottom 18.9% in 100M-500M tier

845

Efficiency Ratio

profitability

Value: 87.59%

Peer Median: 78.68%

#845 of 1070 Bottom 21.1% in 100M-500M tier

818

Return on Assets (ROA)

profitability

Value: 0.31%

Peer Median: 0.69%

#818 of 1070 Bottom 23.6% in 100M-500M tier