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 0.56% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.04% below tier average
- - Member decline: -6.0% YoY
- - Fee Income Per Member: Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Total Members: Bottom 4.4% in tier
- - Total Assets: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 5.8% in tier
- - Total Loans: Bottom 5.8% 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 -3.3% year over year ($892K in shares and deposits).
- Membership: 189 members, -6.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.45%.
- Efficiency ratio 74.20% vs a 88.77% peer average.
- Loan-to-share ratio 39.21% 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 |
189
-6.0% YoY+3.8% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 4.3% in tier |
| Assets |
$1.0M
-3.4% YoY-2.4% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.1% in tier |
| Loans |
$349,772
-3.1% YoY-0.7% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.8% in tier |
| Deposits |
$892,157
-3.3% YoY-2.4% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.1% in tier |
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| ROA |
0.5%
-115.6% YoY+515.4% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
28% |
| NIM |
4.5%
+184.8% YoY-1.9% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
74.2%
-69.6% YoY+4.7% QoQ
|
-14.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
39.2%
+0.2% YoY+1.8% QoQ
|
-19.7% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$6,571
+2.9% YoY-5.6% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 13.3% in tier |
| CD Concentration | 0.0% | -24.6% | 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)