BlastPoint's Credit Union Scorecard
TRI STATE RAIL
Charter #6070 · PA
TRI STATE RAIL has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Member decline: -6.5% YoY
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 -6.8% year over year ($15.9M in shares and deposits).
- Membership: 2,175 members, -6.5% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.50%.
- Efficiency ratio 85.24% vs a 88.77% peer average.
- Loan-to-share ratio 38.95% 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 |
2,175
-6.5% YoY-1.2% QoQ
|
-410 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$19.9M
-4.7% YoY-2.2% QoQ
|
$-10.3M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$6.2M
-10.5% YoY+1.5% QoQ
|
$-9.3M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$15.9M
-6.8% YoY-2.8% QoQ
|
$-9.9M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
0.5%
-21.0% YoY+103.9% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
3.5%
+2.4% YoY+5.3% QoQ
|
-0.4% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
36% |
| Efficiency Ratio |
85.2%
+8.5% YoY-7.2% QoQ
|
-3.5% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
62% |
| Delinquency Rate |
0.5%
-62.9% YoY-19.4% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
41% |
| Loan To Share |
38.9%
-4.0% YoY+4.4% QoQ
|
-19.9% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$10,160
-1.5% YoY-0.4% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
1.6%
-19.5% YoY+2.8% QoQ
|
-22.9% | 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)