BlastPoint's Credit Union Scorecard

BHCU

Charter #61387 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 in PA

BHCU has 5 strengths but faces 6 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

+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.2% in tier
+ Average Member Relationship (AMR): Top 2.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.12% below tier average
- Efficiency ratio 6.67% above tier (higher cost structure)
- Delinquency rate 0.13% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	8,933 +1.8% YoY+0.8% QoQ	-6.2K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	24%
Assets	$273.0M +4.7% YoY+1.8% QoQ	+$41.3M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	69%
Loans	$196.5M +6.8% YoY+2.5% QoQ	+$52.3M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	75%
Deposits	$238.7M +4.4% YoY+2.1% QoQ	+$37.5M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	68%

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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	0.6% +270.3% YoY+14.5% QoQ	-0.1%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	43%
NIM	2.9% +15.4% YoY+3.9% QoQ	-0.7%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 12.9% in tier
Efficiency Ratio	84.7% -8.7% YoY+3.9% QoQ	+6.7%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.9% +53.8% YoY+1.2% QoQ	+0.1	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	71%
Loan To Share	82.3% +2.3% YoY+0.4% QoQ	+11.9%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	74%
AMR	$48,711 +3.6% YoY+1.4% QoQ	+$24K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Top 3.0% in tier
CD Concentration	28.6% -1.3% YoY-0.3% QoQ	+4.4%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.4% -33.3% YoY-15.6% QoQ	-13.4%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#242 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.45%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth

#174 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.58%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Organic Growth Engine

growth

#278 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.84%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.61%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.45%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#119 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.82%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#214 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#425 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.70%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.44% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 1.84%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $21,996

Peer Median: $9,356

#25 of 1070 Top 2.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,711

Peer Median: $22,931

#32 of 1070 Top 2.9% in 100M-500M tier

265

Total Loans

balance_sheet

Value: $196.49M

Peer Median: $121.41M

#265 of 1070 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

932

Net Interest Margin (NIM)

profitability

Value: 2.93%

Peer Median: 3.62%

#932 of 1070 Bottom 13.0% in 100M-500M tier

908

First Mortgage Concentration (%)

balance_sheet

Value: 48.77%

Peer Median: 29.47%

#908 of 1070 Bottom 15.2% in 100M-500M tier

814

Total Members

engagement

Value: 8,933

Peer Median: 13,200

#814 of 1070 Bottom 24.0% in 100M-500M tier