BlastPoint's Credit Union Scorecard
B I
Charter #6240 · PA
2556 CUs in <100M nationally
190 in PA
B I has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Efficiency ratio 11.02% above tier (higher cost structure)
- - Delinquency rate 3.71% above tier average
- - Member decline: -4.3% YoY
- - Loan Growth Rate: Bottom 2.6% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
- - Total Members: Bottom 8.1% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
310
-4.3% YoY-1.3% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 8.1% in tier |
| Assets |
$3.1M
-3.7% YoY-1.1% QoQ
|
$-27.1M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.2% in tier |
| Loans |
$617,051
-28.6% YoY-15.1% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.6% in tier |
| Deposits |
$2.0M
-6.6% YoY-1.7% QoQ
|
$-23.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.2% in tier |
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| ROA |
0.4%
+35.6% YoY-51.3% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.5%
-19.0% YoY-2.4% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
93.6%
+19.4% YoY+11.4% QoQ
|
+11.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
5.3%
-12.2% YoY+15.6% QoQ
|
+3.7 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 5.8% in tier |
| Loan To Share |
31.6%
-23.5% YoY-13.6% QoQ
|
-29.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.4% in tier |
| AMR |
$8,284
-9.1% YoY-4.0% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
15
Net Charge-Off Rate
risk
Value:
-1.02%
Peer Median: -
#15 of 2556
Top 0.5% in <100M tier
86
Net Worth Ratio
risk
Value:
36.48%
Peer Median: -
#86 of 2556
Top 3.3% in <100M tier
Top Weaknesses (16 metrics)
2490
Loan Growth Rate
growth
Value:
-28.60%
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2409
Total Delinquency Rate (60+ days)
risk
Value:
5.27%
Peer Median: -
#2409 of 2556
Bottom 5.8% in <100M tier
2396
Members Per Employee (MPE)
engagement
Value:
103.333
Peer Median: -
#2396 of 2556
Bottom 6.3% in <100M tier
2368
AMR Growth Rate
growth
Value:
-9.12%
Peer Median: -
#2368 of 2556
Bottom 7.4% in <100M tier
2349
Total Members
engagement
Value:
310
Peer Median: -
#2349 of 2556
Bottom 8.1% in <100M tier
2337
Total Loans
balance_sheet
Value:
$617,051
Peer Median: -
#2337 of 2556
Bottom 8.6% in <100M tier
2269
Total Deposits
balance_sheet
Value:
$1.95M
Peer Median: -
#2269 of 2556
Bottom 11.3% in <100M tier
2262
Loan-to-Share Ratio
balance_sheet
Value:
31.63%
Peer Median: -
#2262 of 2556
Bottom 11.5% in <100M tier
2227
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,990
Peer Median: -
#2227 of 2556
Bottom 12.9% in <100M tier