BlastPoint's Credit Union Scorecard

THE ONE

Charter #6187 · PA

1077 CUs in 100M-500M nationally 61 in PA

THE ONE has 4 strengths but faces 8 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

+ Wallet Share Momentum: Top 13.8% in tier
+ Credit Quality Leader: Top 79.9% in tier
+ Net Interest Margin 0.30% above tier average
+ AMR Growth Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 0.4% in tier
- Membership Headwinds: Bottom 13.7% in tier
- Stagnation Risk: Bottom 18.8% in tier
- Efficiency Drag: Bottom 25.2% in tier
- ROA 0.12% below tier average
- Efficiency ratio 3.95% above tier (higher cost structure)
- Member decline: -3.0% YoY
- Indirect Auto Concentration (%): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	12,113 -3.0% YoY+0.6% QoQ	-3.5K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	42%
Assets	$129.0M +9.1% YoY+0.2% QoQ	$-102.3M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	20%
Loans	$99.1M +11.0% YoY+4.3% QoQ	$-48.7M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	34%
Deposits	$115.8M +8.8% YoY-0.2% QoQ	$-84.5M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	22%

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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	0.7% -25.8% YoY+30.0% QoQ	-0.1%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	43%
NIM	3.9% -2.8% YoY-0.1% QoQ	+0.3%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	67%
Efficiency Ratio	81.2% +1.4% YoY-2.4% QoQ	+3.9%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.3% -42.5% YoY-7.7% QoQ	-0.5	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	21%
Loan To Share	85.6% +2.0% YoY+4.5% QoQ	+12.9%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	76%
AMR	$17,740 +13.2% YoY+1.2% QoQ	$-7K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	21%
CD Concentration	32.5% -1.8% YoY+1.4% QoQ	+8.1%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	42.0% +4.4% YoY-3.6% QoQ	+28.0%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#67 of 481 • Top 13.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.20%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank improving

Credit Quality Leader

growth

#272 of 340 • Top 79.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.33%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.24% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#8 of 525 • Bottom 0.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.12%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 41.97%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -3.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Membership Headwinds

decline

#227 of 550 • Bottom 13.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -3.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#310 of 550 • Bottom 18.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 10.98%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.33%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#446 of 521 • Bottom 25.2% in tier

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

Why This Signature

Efficiency Ratio: 81.23%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -3.00%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 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 1077 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 13.20%

Peer Avg: -

#53 of 1077 Top 4.8% in 100M-500M tier

134

Loan Growth Rate

growth

Value: 10.98%

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

161

Asset Growth Rate

growth

Value: 9.12%

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

174

Deposit Growth Rate

growth

Value: 8.84%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

223

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Avg: -

#223 of 1077 Top 20.6% in 100M-500M tier

234

First Mortgage Concentration (%)

balance_sheet

Value: 15.46%

Peer Avg: -

#234 of 1077 Top 21.6% in 100M-500M tier

258

Loan-to-Share Ratio

balance_sheet

Value: 85.58%

Peer Avg: -

#258 of 1077 Top 23.9% in 100M-500M tier

Top Weaknesses (7 metrics)

996

Indirect Auto Concentration (%)

balance_sheet

Value: 41.97%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

940

Net Worth Ratio

risk

Value: 9.00%

Peer Avg: -

#940 of 1077 Bottom 12.8% in 100M-500M tier

882

Member Growth Rate

growth

Value: -3.00%

Peer Avg: -

#882 of 1077 Bottom 18.2% in 100M-500M tier

866

Total Assets

balance_sheet

Value: $129.01M

Peer Avg: -

#866 of 1077 Bottom 19.7% in 100M-500M tier

853

Share Certificate Concentration (%)

balance_sheet

Value: 32.54%

Peer Avg: -

#853 of 1077 Bottom 20.9% in 100M-500M tier

851

Average Member Relationship (AMR)

engagement

Value: $17,740

Peer Avg: -

#851 of 1077 Bottom 21.1% in 100M-500M tier

835

Total Deposits

balance_sheet

Value: $115.79M

Peer Avg: -

#835 of 1077 Bottom 22.6% in 100M-500M tier