BlastPoint's Credit Union Scorecard

DOW BUCKS COUNTY

Charter #6150 · PA

2556 CUs in <100M nationally 190 in PA

DOW BUCKS COUNTY has 1 strength but faces 3 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

+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Delinquency rate 0.68% above tier average
- Fee Income Per Member: Bottom 4.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	987 -0.9% YoY-0.2% QoQ	-1.6K	2,615 -1.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	28%
Assets	$13.6M -1.3% YoY-0.1% QoQ	$-16.5M	$30.1M +2.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	39%
Loans	$8.1M +0.8% YoY-1.0% QoQ	$-7.6M	$15.8M -1.3% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	45%
Deposits	$10.8M -2.3% YoY-0.3% QoQ	$-14.9M	$25.7M +1.4% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	38%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +2210.1% YoY+7.9% QoQ	-0.3%	0.6% +10.8% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	30%
NIM	2.7% +54.1% YoY+3.5% QoQ	-1.3%	4.0% +4.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 11.1% in tier
Efficiency Ratio	80.4% -18.5% YoY-2.6% QoQ	-2.2%	82.6% -2.3% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	51%
Delinquency Rate	2.2% -12.6% YoY-0.8% QoQ	+0.7	1.6% -3.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	80%
Loan To Share	75.5% +3.2% YoY-0.7% QoQ	+14.9%	60.6% -3.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	72%
AMR	$19,152 -0.1% YoY-0.4% QoQ	+$4K	$14,783 -1.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	75%
CD Concentration	6.8% +13.5% YoY+1.5% QoQ	-17.6%	24.4%	15.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.1%	7.8%	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 2556 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.0% in <100M tier

423

Loan-to-Member Ratio (LMR)

engagement

Value: $8,238

Peer Median: -

#423 of 2556 Top 16.5% in <100M tier

520

Net Worth Ratio

risk

Value: 20.68%

Peer Median: -

#520 of 2556 Top 20.3% in <100M tier

635

Average Member Relationship (AMR)

engagement

Value: $19,152

Peer Median: -

#635 of 2556 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2443

Fee Income Per Member

profitability

Value: $0.17

Peer Median: -

#2443 of 2556 Bottom 4.5% in <100M tier

2273

Net Interest Margin (NIM)

profitability

Value: 2.68%

Peer Median: -

#2273 of 2556 Bottom 11.1% in <100M tier

2058

Total Delinquency Rate (60+ days)

risk

Value: 2.23%

Peer Median: -

#2058 of 2556 Bottom 19.5% in <100M tier

2026

First Mortgage Concentration (%)

balance_sheet

Value: 29.80%

Peer Median: -

#2026 of 2556 Bottom 20.8% in <100M tier