BlastPoint's Credit Union Scorecard
DERRY AREA
Charter #6196 · PA
DERRY AREA has 1 strength but faces 4 concerns
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 0.19% below tier average
- - Efficiency ratio 2.75% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,852
-2.7% YoY-0.3% QoQ
|
-763 |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$13.4M
+0.7% YoY+3.8% QoQ
|
$-16.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$5.7M
-12.8% YoY-5.4% QoQ
|
$-10.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$11.8M
+0.4% YoY+4.3% QoQ
|
$-13.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.4%
-23.9% YoY-26.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.2%
-0.6% YoY-2.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
85.3%
+3.9% YoY+5.9% QoQ
|
+2.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
1.8%
+21.3% YoY+74.2% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
48.6%
-13.1% YoY-9.3% QoQ
|
-12.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$9,434
-1.7% YoY+1.2% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
11.0%
-16.0% YoY-2.5% QoQ
|
-13.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)