BlastPoint's Credit Union Scorecard
TRI COUNTY AREA
Charter #6269 · PA
TRI COUNTY AREA has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.34% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency ratio 1.55% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +5.7% year over year ($193M in shares and deposits).
- Membership: 12,666 members, +0.1% vs a year ago.
- Delinquency rate 1.57%.
- Return on assets 0.91%.
- Efficiency ratio 78.29% vs a 76.73% peer average.
- Loan-to-share ratio 56.98% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
12,666
+0.1% YoY-0.3% QoQ
|
-2.5K |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$215.6M
+6.1% YoY+2.4% QoQ
|
$-16.5M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$110.0M
-0.5% YoY-0.6% QoQ
|
$-36.3M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$193.0M
+5.7% YoY+2.6% QoQ
|
$-7.7M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.9%
-8.5% YoY+11.3% QoQ
|
+0.0% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
4.0%
-1.8% YoY+0.3% QoQ
|
+0.3% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
71% |
| Efficiency Ratio |
78.3%
+2.9% YoY-1.9% QoQ
|
+1.6% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
1.6%
+1664.5% YoY+181.2% QoQ
|
+0.7 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.5% in tier |
| Loan To Share |
57.0%
-5.8% YoY-3.1% QoQ
|
-14.6% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$23,918
+3.2% YoY+1.8% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
16.5%
-0.8% YoY-3.1% QoQ
|
-8.0% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
2.3%
-17.3% YoY-4.3% QoQ
|
-11.3% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)