BlastPoint's Credit Union Scorecard
SPOJNIA
Charter #62998 · PA
SPOJNIA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 8.1% in tier
- + Average Member Relationship (AMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.08% below tier average
- - Efficiency ratio 129.36% above tier (higher cost structure)
- - Delinquency rate 4.40% above tier average
- - Member decline: -4.8% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.8% in tier
- - Net Interest Margin (NIM): Bottom 5.0% in tier
- - First Mortgage Concentration (%): Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
758
-4.8% YoY+6.2% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$14.4M
+4.2% YoY+10.7% QoQ
|
$-15.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$6.2M
-11.5% YoY-3.6% QoQ
|
$-9.6M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$12.2M
+7.3% YoY+12.1% QoQ
|
$-13.5M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
-2.5%
+474.0% YoY-23.1% QoQ
|
-3.1% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.4% in tier |
| NIM |
2.2%
+10.8% YoY-1.5% QoQ
|
-1.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.0% in tier |
| Efficiency Ratio |
211.9%
+75.3% YoY-11.6% QoQ
|
+129.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.9% in tier |
| Delinquency Rate |
6.0%
+74.8% YoY+45.1% QoQ
|
+4.4 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
50.8%
-17.5% YoY-14.0% QoQ
|
-9.8% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$24,289
+5.1% YoY+0.1% QoQ
|
+$10K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Top 9.5% in tier |
| CD Concentration |
42.5%
-12.6% YoY-11.3% QoQ
|
+18.1% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)