BlastPoint's Credit Union Scorecard

TRI COUNTY AREA

Charter #6269 · PA

1077 CUs in 100M-500M nationally 61 in PA

TRI COUNTY AREA has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 20.7% in tier
+ ROA 0.26% above tier average
+ Net Interest Margin 0.57% above tier average
+ Total Delinquency Rate (60+ days): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 19.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	12,672 +0.1% YoY+0.2% QoQ	-3.0K	15,628 -3.4% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	46%
Assets	$201.5M +7.0% YoY-0.8% QoQ	$-29.8M	$231.3M -0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	51%
Loans	$111.7M +1.4% YoY+1.1% QoQ	$-36.1M	$147.8M -1.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	43%
Deposits	$180.1M +6.2% YoY-1.4% QoQ	$-20.2M	$200.3M -0.0% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	53%

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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	1.0% -18.4% YoY+4.8% QoQ	+0.3%	0.8% +15.5% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	68%
NIM	4.2% +1.9% YoY+1.5% QoQ	+0.6%	3.6% +6.9% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	81%
Efficiency Ratio	75.6% -0.4% YoY-0.7% QoQ	-1.7%	77.3% -3.0% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	45%
Delinquency Rate	0.1% -53.1% YoY+24.2% QoQ	-0.7	0.9% +7.6% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Bottom 5.8% in tier
Loan To Share	62.0% -4.5% YoY+2.5% QoQ	-10.7%	72.7% -1.5% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	25%
AMR	$23,025 +4.2% YoY-0.6% QoQ	$-1K	$24,363 +2.9% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	53%
CD Concentration	17.1% +9.1% YoY+2.9% QoQ	-7.3%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	2.7% -14.1% YoY-3.3% QoQ	-11.3%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#71 of 340 • Top 20.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.11%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.13% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (1)

Margin Compression

decline

#83 of 136 • Bottom 19.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.04%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.28%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

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 1077 peers in tier

Top Strengths (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.11%

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

202

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Avg: -

#202 of 1077 Top 18.7% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available