BlastPoint's Credit Union Scorecard
B I
Charter #6240 · PA
2596 CUs in <100M nationally
198 in PA
B I has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.5% in tier
- + Net Worth Ratio: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.60% above tier (higher cost structure)
- - Delinquency rate 3.05% above tier average
- - Member decline: -9.5% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Member Growth Rate: Bottom 6.4% in tier
- - Members Per Employee (MPE): Bottom 6.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.9% in tier
- - Total Members: Bottom 8.6% in tier
- - Loan Growth Rate: Bottom 8.8% in tier
- - Total Loans: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
314
-9.5% YoY-2.2% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 8.4% in tier |
| Assets |
$3.1M
-4.2% YoY-3.1% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.3% in tier |
| Loans |
$726,409
-17.1% YoY+1.8% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.5% in tier |
| Deposits |
$2.0M
-7.2% YoY-5.0% QoQ
|
$-23.5M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.9% in tier |
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| ROA |
0.9%
+209.8% YoY+2.3% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
3.6%
-16.5% YoY+0.3% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
84.0%
+17.2% YoY-1.2% QoQ
|
+2.6% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
4.6%
-17.2% YoY-62.6% QoQ
|
+3.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 6.9% in tier |
| Loan To Share |
36.6%
-10.7% YoY+7.2% QoQ
|
-24.6% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$8,631
-0.6% YoY-1.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
14
Net Charge-Off Rate
risk
Value:
-0.80%
Peer Avg: -
#14 of 2596
Top 0.5% in <100M tier
91
Net Worth Ratio
risk
Value:
36.22%
Peer Avg: -
#91 of 2596
Top 3.5% in <100M tier
Top Weaknesses (14 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2431
Member Growth Rate
growth
Value:
-9.51%
Peer Avg: -
#2431 of 2596
Bottom 6.4% in <100M tier
2430
Members Per Employee (MPE)
engagement
Value:
104.667
Peer Avg: -
#2430 of 2596
Bottom 6.4% in <100M tier
2419
Total Delinquency Rate (60+ days)
risk
Value:
4.56%
Peer Avg: -
#2419 of 2596
Bottom 6.9% in <100M tier
2375
Total Members
engagement
Value:
314
Peer Avg: -
#2375 of 2596
Bottom 8.6% in <100M tier
2369
Loan Growth Rate
growth
Value:
-17.12%
Peer Avg: -
#2369 of 2596
Bottom 8.8% in <100M tier
2349
Total Loans
balance_sheet
Value:
$726,409
Peer Avg: -
#2349 of 2596
Bottom 9.6% in <100M tier
2292
Deposit Growth Rate
growth
Value:
-7.17%
Peer Avg: -
#2292 of 2596
Bottom 11.7% in <100M tier
2287
Total Deposits
balance_sheet
Value:
$1.98M
Peer Avg: -
#2287 of 2596
Bottom 11.9% in <100M tier
2251
Total Assets
balance_sheet
Value:
$3.11M
Peer Avg: -
#2251 of 2596
Bottom 13.3% in <100M tier