BlastPoint's Credit Union Scorecard
SPOJNIA
Charter #62998 · PA
SPOJNIA has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 9.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 3.87% below tier average
- - Efficiency ratio 158.35% above tier (higher cost structure)
- - Delinquency rate 2.60% above tier average
- - Member decline: -12.0% YoY
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Member Growth Rate: Bottom 4.4% in tier
- - Net Interest Margin (NIM): Bottom 4.6% in tier
- - First Mortgage Concentration (%): Bottom 5.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
714
-12.0% YoY-8.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
20% |
| Assets |
$13.0M
-5.7% YoY-4.4% QoQ
|
$-16.9M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$6.4M
-13.3% YoY-3.7% QoQ
|
$-9.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$10.9M
-3.8% YoY-0.7% QoQ
|
$-14.6M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
38% |
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| ROA |
-3.2%
+1112.3% YoY+44.0% QoQ
|
-3.9% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.9% in tier |
| NIM |
2.2%
+9.7% YoY+3.1% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio |
239.7%
+115.9% YoY+19.2% QoQ
|
+158.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 0.8% in tier |
| Delinquency Rate |
4.1%
+120.1% YoY-32.8% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 8.1% in tier |
| Loan To Share |
59.1%
-9.9% YoY-3.0% QoQ
|
-2.1% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$24,263
+5.0% YoY+7.6% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Top 9.3% in tier |
| CD Concentration |
48.0%
+4.2% YoY-0.0% QoQ
|
+23.6% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)