BlastPoint's Credit Union Scorecard
ARMCO
Charter #65291 · PA
ARMCO has 4 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 9.7% in tier
- + ROA 0.14% above tier average
- + Net Charge-Off Rate: Top 6.1% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.0% in tier
- - Credit Quality Pressure: Bottom 28.2% in tier
- - Membership Headwinds: Bottom 80.4% in tier
- - Stagnation Risk: Bottom 80.4% in tier
- - Member decline: -2.8% YoY
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Pennsylvania.
- Shares and deposits +3.4% year over year ($622M in shares and deposits).
- Membership: 44,149 members, -2.8% vs a year ago.
- Delinquency rate 0.55%.
- Return on assets 0.96%.
- Efficiency ratio 72.37% vs a 76.56% peer average.
- Loan-to-share ratio 82.53% vs a 79.33% 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 |
44,149
-2.8% YoY+1.5% QoQ
|
+6.3K |
37,897
-5.0% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$719.5M
+4.0% YoY+0.3% QoQ
|
+$97.1M |
$622.4M
+0.6% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
Top 14.5% in tier |
| Loans |
$513.6M
+11.3% YoY+3.0% QoQ
|
+$85.1M |
$428.5M
-0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$622.4M
+3.4% YoY-0.1% QoQ
|
+$82.6M |
$539.8M
+0.9% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
84% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.0%
+27.8% YoY+34.3% QoQ
|
+0.1% |
0.8%
+39.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
3.0%
+13.6% YoY+4.7% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
72.4%
-2.2% YoY-5.9% QoQ
|
-4.2% |
76.6%
-3.6% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.5%
+48.5% YoY+16.7% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
82.5%
+7.6% YoY+3.0% QoQ
|
+3.2% |
79.3%
-1.4% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$25,731
+10.0% YoY-0.2% QoQ
|
$-2K |
$27,294
+4.1% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
30.4%
-2.6% YoY+1.6% QoQ
|
+5.9% | 24.6% | 15.6% | 20.0% | 72% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)