BlastPoint's Credit Union Scorecard

TRI STATE RAIL

Charter #6070 · PA

<100M

2508 CUs in <100M nationally 186 in PA

TRI STATE RAIL has 2 strengths but faces 2 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

+ ROA 0.10% above tier average
+ Net Charge-Off Rate: Top 4.9% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 1.20% above tier (higher cost structure)
- Member decline: -5.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	2,202 -5.3% YoY-1.0% QoQ	-474	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	56%
Assets	$20.4M -2.4% YoY+1.9% QoQ	$-9.8M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	48%
Loans	$6.1M -8.2% YoY-3.5% QoQ	$-9.2M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	39%
Deposits	$16.4M -4.1% YoY+2.1% QoQ	$-9.4M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	47%

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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	0.2% -64.0% YoY-71.9% QoQ	+0.1%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	32%
NIM	3.4% -1.5% YoY-5.7% QoQ	-0.7%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	91.8% +16.9% YoY+22.3% QoQ	+1.2%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	72%
Delinquency Rate	0.6% -72.3% YoY+5.9% QoQ	-0.9	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	49%
Loan To Share	37.3% -4.2% YoY-5.4% QoQ	-21.2%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	19%
AMR	$10,199 +0.0% YoY+1.5% QoQ	$-5K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	30%
CD Concentration	1.6% -8.1% YoY-28.9% QoQ	-22.7%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

123

Net Charge-Off Rate

risk

Value: -0.30%

Peer Median: 0.07%

#123 of 2508 Top 4.9% in <100M tier

606

Net Worth Ratio

risk

Value: 19.36%

Peer Median: 14.28%

#606 of 2508 Top 24.1% in <100M tier

Top Weaknesses (5 metrics)

2109

Member Growth Rate

growth

Value: -5.29%

Peer Median: -1.37%

#2109 of 2508 Bottom 15.9% in <100M tier

2043

Fee Income Per Member

profitability

Value: $8.88

Peer Median: $60.42

#2043 of 2508 Bottom 18.6% in <100M tier

2032

Loan-to-Share Ratio

balance_sheet

Value: 37.31%

Peer Median: 58.72%

#2032 of 2508 Bottom 19.0% in <100M tier

1963

Deposit Growth Rate

growth

Value: -4.14%

Peer Median: 0.66%

#1963 of 2508 Bottom 21.8% in <100M tier

1956

Loan-to-Member Ratio (LMR)

engagement

Value: $2,771

Peer Median: $4,923

#1956 of 2508 Bottom 22.0% in <100M tier