BlastPoint's Credit Union Scorecard

TRI COUNTY AREA

Charter #6269 · PA

100M-500M
1070 CUs in 100M-500M nationally 62 in PA

TRI COUNTY AREA has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.09% above tier average
  • + Net Interest Margin 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - Margin Compression: Bottom 50.0% in tier
  • - Efficiency ratio 1.78% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 12,710
+0.8% YoY+0.0% QoQ
 -2.4K 15,145
-2.5% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 47%
Assets $210.4M
+5.5% YoY+4.4% QoQ
 $-21.3M $231.7M
+0.8% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 54%
Loans $110.6M
+1.3% YoY-0.4% QoQ
 $-33.5M $144.1M
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 44%
Deposits $188.1M
+4.7% YoY+4.8% QoQ
 $-13.0M $201.1M
+0.4% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 55%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.8%
-16.3% YoY-22.8% QoQ
 +0.1% 0.7%
+5.1% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 59%
NIM 4.0%
-3.3% YoY-4.9% QoQ
 +0.4% 3.6%
+4.6% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 74%
Efficiency Ratio 79.8%
+4.5% YoY+5.4% QoQ
 +1.8% 78.0%
-1.7% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 55%
Delinquency Rate 0.6%
+425.4% YoY+110.2% QoQ
 -0.2 0.8%
+7.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 46%
Loan To Share 58.8%
-3.2% YoY-4.9% QoQ
 -11.6% 70.4%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 25%
AMR $23,504
+2.6% YoY+2.8% QoQ
 $-1K $24,918
+2.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 54%
CD Concentration 17.0%
+5.5% YoY-0.9% QoQ
 -7.2% 24.3% 15.4% 19.8% 50%
Indirect Auto % 2.4%
-13.2% YoY-7.5% QoQ
 -11.4% 13.8% 8.3% 7.7% 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#308 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.79%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.82%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 2.42%
(Tier: 13.80%, National: 7.73%)
better than tier avg
352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#339 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.79%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 2.42%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#137 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.45% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk
#271 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.26%
(Tier: 4.14%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.45% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

Margin Compression

decline
#123 of 133 • Bottom 50.0% 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: 0.82%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 0.98%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.16% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | 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)

Comparing against 1070 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

805
Loan-to-Share Ratio
balance_sheet
Value: 58.82%
Peer Median: 71.88%
#805 of 1070 Bottom 24.9% in 100M-500M tier
Link copied to clipboard!