BlastPoint's Credit Union Scorecard
SPOJNIA
Charter #62998 · PA
SPOJNIA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Deposit Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 32.12% above tier (higher cost structure)
- - Delinquency rate 6.78% above tier average
- - Member decline: -4.7% YoY
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Net Interest Margin (NIM): Bottom 5.3% in tier
- - First Mortgage Concentration (%): Bottom 7.5% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +10.2% year over year ($12.1M in shares and deposits).
- Membership: 746 members, -4.7% vs a year ago.
- Delinquency rate 8.33%.
- Return on assets 0.62%.
- Efficiency ratio 120.88% vs a 88.77% peer average.
- Loan-to-share ratio 46.44% vs a 58.89% 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 |
746
-4.7% YoY-1.1% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$14.3M
+5.3% YoY-3.7% QoQ
|
$-16.0M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$5.6M
-16.1% YoY-3.2% QoQ
|
$-9.8M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$12.1M
+10.2% YoY-0.2% QoQ
|
$-13.7M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
40% |
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| ROA |
0.6%
-127.9% YoY-176.5% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
2.3%
+10.1% YoY-77.0% QoQ
|
-1.6% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
120.9%
-39.9% YoY+12.1% QoQ
|
+32.1% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate |
8.3%
+36.4% YoY-2.5% QoQ
|
+6.8 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
46.4%
-23.8% YoY-3.0% QoQ
|
-12.4% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
31% |
| AMR |
$23,729
+5.2% YoY-0.1% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 11.2% in tier |
| CD Concentration |
48.9%
+2.0% YoY-0.5% QoQ
|
+24.4% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)