BlastPoint's Credit Union Scorecard

DERRY AREA

Charter #6196 · PA

<100M

2508 CUs in <100M nationally 186 in PA

DERRY AREA faces 3 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average
- Efficiency ratio 9.18% above tier (higher cost structure)
- Member decline: -2.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,848 -2.9% YoY-0.2% QoQ	-828	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	48%
Assets	$14.2M +1.1% YoY+5.9% QoQ	$-16.0M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	40%
Loans	$5.4M -15.1% YoY-4.8% QoQ	$-9.8M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	36%
Deposits	$12.5M +0.8% YoY+6.6% QoQ	$-13.2M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	41%

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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	0.1% -84.0% YoY-81.0% QoQ	-0.1%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	25%
NIM	2.7% -16.0% YoY-16.4% QoQ	-1.4%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 10.3% in tier
Efficiency Ratio	99.8% +20.5% YoY+17.0% QoQ	+9.2%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	84%
Delinquency Rate	1.3% +32.1% YoY-28.9% QoQ	-0.2	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	70%
Loan To Share	43.4% -15.8% YoY-10.6% QoQ	-15.1%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	26%
AMR	$9,727 -1.8% YoY+3.1% QoQ	$-5K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	27%
CD Concentration	9.6% -11.3% YoY-12.7% QoQ	-14.6%	24.3%	15.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	8.3%	7.7%	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 2508 peers in tier

Top Strengths (1 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Top Weaknesses (5 metrics)

2249

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: 3.83%

#2249 of 2508 Bottom 10.4% in <100M tier

2214

Loan Growth Rate

growth

Value: -15.07%

Peer Median: -2.36%

#2214 of 2508 Bottom 11.8% in <100M tier

2112

Efficiency Ratio

profitability

Value: 99.81%

Peer Median: 81.45%

#2112 of 2508 Bottom 15.8% in <100M tier

1899

Loan-to-Member Ratio (LMR)

engagement

Value: $2,943

Peer Median: $4,923

#1899 of 2508 Bottom 24.3% in <100M tier

1885

Return on Assets (ROA)

profitability

Value: 0.08%

Peer Median: 0.61%

#1885 of 2508 Bottom 24.9% in <100M tier