BlastPoint's Credit Union Scorecard
SPOJNIA
Charter #62998 · PA
<100M
2508 CUs in <100M nationally
186 in PA
SPOJNIA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 6.17% above tier average
- + Asset Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.96% below tier average
- - Efficiency ratio 17.20% above tier (higher cost structure)
- - Delinquency rate 7.04% above tier average
- - Member decline: -4.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
- - Share Certificate Concentration (%): Bottom 4.0% in tier
- - First Mortgage Concentration (%): Bottom 7.1% in tier
- - Members Per Employee (MPE): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
754
-4.6% YoY-0.5% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$14.9M
+9.3% YoY+3.4% QoQ
|
$-15.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$5.8M
-15.7% YoY-6.5% QoQ
|
$-9.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$12.1M
+6.3% YoY-0.8% QoQ
|
$-13.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
40% |
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| ROA |
-0.8%
-56.8% YoY-67.0% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.6% in tier |
| NIM |
10.2%
+562.5% YoY+372.6% QoQ
|
+6.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Top 0.3% in tier |
| Efficiency Ratio |
107.8%
-49.9% YoY-49.1% QoQ
|
+17.2% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.7% in tier |
| Delinquency Rate |
8.5%
+100.8% YoY+43.3% QoQ
|
+7.0 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
47.9%
-20.7% YoY-5.8% QoQ
|
-10.6% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$23,748
+2.7% YoY-2.2% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Top 10.9% in tier |
| CD Concentration |
49.2%
+4.4% YoY+15.6% QoQ
|
+24.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
7
Net Interest Margin (NIM)
profitability
Value:
10.18%
Peer Median: 3.83%
#7 of 2508
Top 0.2% in <100M tier
208
Asset Growth Rate
growth
Value:
9.31%
Peer Median: 1.30%
#208 of 2508
Top 8.3% in <100M tier
273
Average Member Relationship (AMR)
engagement
Value:
$23,748
Peer Median: $13,926
#273 of 2508
Top 10.8% in <100M tier
449
Deposit Growth Rate
growth
Value:
6.33%
Peer Median: 0.66%
#449 of 2508
Top 17.9% in <100M tier
493
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,691
Peer Median: $4,923
#493 of 2508
Top 19.6% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (9 metrics)
2436
Total Delinquency Rate (60+ days)
risk
Value:
8.54%
Peer Median: 0.65%
#2436 of 2508
Bottom 2.9% in <100M tier
2408
Share Certificate Concentration (%)
balance_sheet
Value:
49.16%
Peer Median: 12.45%
#2408 of 2508
Bottom 4.0% in <100M tier
2330
First Mortgage Concentration (%)
balance_sheet
Value:
52.58%
Peer Median: 3.66%
#2330 of 2508
Bottom 7.1% in <100M tier
2267
Return on Assets (ROA)
profitability
Value:
-0.81%
Peer Median: 0.61%
#2267 of 2508
Bottom 9.6% in <100M tier
2262
Members Per Employee (MPE)
engagement
Value:
150.800
Peer Median: 333.750
#2262 of 2508
Bottom 9.8% in <100M tier
2240
Efficiency Ratio
profitability
Value:
107.84%
Peer Median: 81.45%
#2240 of 2508
Bottom 10.7% in <100M tier
2240
Loan Growth Rate
growth
Value:
-15.70%
Peer Median: -2.36%
#2240 of 2508
Bottom 10.7% in <100M tier
2024
Member Growth Rate
growth
Value:
-4.56%
Peer Median: -1.37%
#2024 of 2508
Bottom 19.3% in <100M tier
1973
Total Members
engagement
Value:
754
Peer Median: 1,918
#1973 of 2508
Bottom 21.4% in <100M tier