BlastPoint's Credit Union Scorecard

NET

Charter #4792 · PA

1077 CUs in 100M-500M nationally 61 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

+ Organic Growth Engine: Top 20.9% in tier
+ Strong member growth: 5.1% YoY
+ Member Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 15.1% in tier
- Credit Risk Growth: Bottom 19.4% in tier
- Efficiency Drag: Bottom 23.6% in tier
- Credit Quality Pressure: Bottom 28.9% in tier
- ROA 0.34% below tier average
- Efficiency ratio 7.94% above tier (higher cost structure)
- Delinquency rate 0.28% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	19,354 +5.1% YoY+1.5% QoQ	+3.7K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	73%
Assets	$322.4M +8.5% YoY+0.5% QoQ	+$91.1M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	77%
Loans	$178.6M +11.4% YoY+4.3% QoQ	+$30.8M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	70%
Deposits	$293.7M +8.5% YoY-0.0% QoQ	+$93.4M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	80%

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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	0.4% +179.8% YoY+196.3% QoQ	-0.3%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	28%
NIM	3.1% +9.2% YoY+5.2% QoQ	-0.5%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	22%
Efficiency Ratio	85.2% -7.9% YoY-6.4% QoQ	+7.9%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	77%
Delinquency Rate	1.1% +0.7% YoY+25.3% QoQ	+0.3	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	76%
Loan To Share	60.8% +2.7% YoY+4.4% QoQ	-11.9%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	23%
AMR	$24,404 +4.2% YoY+0.1% QoQ	+$41	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	61%
CD Concentration	27.3% +0.2% YoY+2.3% QoQ	+2.8%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	24.6% +12.5% YoY+4.6% QoQ	+10.6%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#384 of 603 • Top 20.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.09%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.45%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 24.60%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk

#244 of 525 • Bottom 15.1% in tier

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

Why This Signature

Asset Growth (YoY): 8.54%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 24.60%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 5.09%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Risk Growth

risk

#292 of 446 • Bottom 19.4% in tier

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

Why This Signature

Loan Growth (YoY): 11.39%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk

#417 of 521 • Bottom 23.6% in tier

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

Why This Signature

Efficiency Ratio: 85.22%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 5.09%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#715 of 736 • Bottom 28.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 5.09%

Peer Avg: -

#99 of 1077 Top 9.1% in 100M-500M tier

126

Loan Growth Rate

growth

Value: 11.39%

Peer Avg: -

#126 of 1077 Top 11.6% in 100M-500M tier

188

Deposit Growth Rate

growth

Value: 8.45%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

189

Asset Growth Rate

growth

Value: 8.54%

Peer Avg: -

#189 of 1077 Top 17.5% in 100M-500M tier

211

Total Deposits

balance_sheet

Value: $293.72M

Peer Avg: -

#211 of 1077 Top 19.5% in 100M-500M tier

232

Fee Income Per Member

profitability

Value: $222.23

Peer Avg: -

#232 of 1077 Top 21.4% in 100M-500M tier

249

Total Assets

balance_sheet

Value: $322.39M

Peer Avg: -

#249 of 1077 Top 23.0% in 100M-500M tier

Top Weaknesses (5 metrics)

844

Indirect Auto Concentration (%)

balance_sheet

Value: 24.60%

Peer Avg: -

#844 of 1077 Bottom 21.7% in 100M-500M tier

840

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Avg: -

#840 of 1077 Bottom 22.1% in 100M-500M tier

834

Efficiency Ratio

profitability

Value: 85.22%

Peer Avg: -

#834 of 1077 Bottom 22.7% in 100M-500M tier

830

Loan-to-Share Ratio

balance_sheet

Value: 60.80%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier

816

Total Delinquency Rate (60+ days)

risk

Value: 1.14%

Peer Avg: -

#816 of 1077 Bottom 24.3% in 100M-500M tier