BlastPoint's Credit Union Scorecard
B I
Charter #6240 · PA
B I has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Charge-Off Rate: Top 1.3% in tier
- + Net Worth Ratio: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 28.44% above tier (higher cost structure)
- - Delinquency rate 2.13% above tier average
- - Member decline: -6.2% YoY
- - Loan Growth Rate: Bottom 3.0% in tier
- - Fee Income Per Member: Bottom 6.1% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - Total Members: Bottom 8.1% in tier
- - Total Loans: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
301
-6.2% YoY-2.9% QoQ
|
-2.4K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 8.0% in tier |
| Assets |
$3.0M
-5.2% YoY-1.7% QoQ
|
$-27.2M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.7% in tier |
| Loans |
$541,167
-28.5% YoY-12.3% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.1% in tier |
| Deposits |
$1.9M
-8.6% YoY-2.9% QoQ
|
$-23.9M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.1% in tier |
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| ROA |
0.7%
-41.7% YoY+66.2% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
3.1%
-15.7% YoY-12.1% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
21% |
| Efficiency Ratio |
119.1%
+41.7% YoY+27.2% QoQ
|
+28.4% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.2% in tier |
| Delinquency Rate |
3.6%
-48.2% YoY-31.1% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
28.6%
-21.8% YoY-9.7% QoQ
|
-29.9% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 10.0% in tier |
| AMR |
$8,090
-8.2% YoY-2.3% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
19% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)