BlastPoint's Credit Union Scorecard
BHCU
Charter #61387 · PA
BHCU has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 46.4% in tier
- + Organic Growth Leader: Top 71.1% in tier
- + Organic Growth Engine: Top 81.7% in tier
- + Wallet Share Momentum: Top 91.8% in tier
- + Loan-to-Member Ratio (LMR): Top 2.8% in tier
- + Average Member Relationship (AMR): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.8% in tier
- - Credit Risk Growth: Bottom 16.0% in tier
- - Efficiency Drag: Bottom 56.8% in tier
- - ROA 0.23% below tier average
- - Efficiency ratio 4.51% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,858
+1.5% YoY+1.3% QoQ
|
-6.6K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$268.0M
+6.9% YoY+2.4% QoQ
|
+$36.2M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$191.7M
+7.1% YoY+4.3% QoQ
|
+$44.4M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$233.8M
+7.0% YoY+2.3% QoQ
|
+$33.0M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.5%
+27.5% YoY+6.7% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
34% |
| NIM |
2.8%
+11.4% YoY+2.6% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.4% in tier |
| Efficiency Ratio |
81.5%
-6.6% YoY-1.0% QoQ
|
+4.5% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.9%
+223.7% YoY+16.1% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
82.0%
+0.1% YoY+2.0% QoQ
|
+9.8% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$48,043
+5.4% YoY+1.8% QoQ
|
+$23K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 3.0% in tier |
| CD Concentration |
28.7%
-9.8% YoY+2.0% QoQ
|
+4.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
0.5%
-24.3% YoY-7.4% QoQ
|
-13.3% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)