BlastPoint's Credit Union Scorecard
E R R L
Charter #4871 · PA
E R R L has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Member decline: -9.5% YoY
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Total Members: Bottom 4.0% in tier
- - Fee Income Per Member: Bottom 5.0% in tier
- - Total Assets: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Total Loans: Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
182
-9.5% YoY-7.1% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$1.0M
-8.3% YoY+0.5% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.5% in tier |
| Loans |
$352,131
-14.2% YoY+6.2% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.9% in tier |
| Deposits |
$914,251
-8.5% YoY+0.8% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.5% in tier |
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| ROA |
0.1%
-102.0% YoY-104.4% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
4.5%
+1608.7% YoY+70.9% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
70.9%
-95.2% YoY-50.9% QoQ
|
-19.7% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
27% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
38.5%
-6.2% YoY+5.4% QoQ
|
-20.0% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
20% |
| AMR |
$6,958
-0.8% YoY+10.1% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.8% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)