BlastPoint's Credit Union Scorecard
ARMCO
Charter #65291 · PA
ARMCO has 9 strengths but faces 3 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 2.3% in tier
- + Organic Growth Engine: Top 3.7% in tier
- + ROA 0.22% above tier average
- + Strong member growth: 9.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 3.0% in tier
- + Asset Growth Rate: Top 3.6% in tier
- + Net Charge-Off Rate: Top 4.7% in tier
- + Member Growth Rate: Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.7% in tier
- - Credit Risk Growth: Bottom 24.1% in tier
- - Credit Quality Pressure: Bottom 28.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,634
+9.7% YoY+0.5% QoQ
|
+5.9K |
39,752
-2.7% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$700.5M
+18.0% YoY+1.3% QoQ
|
+$78.2M |
$622.4M
+0.3% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$460.2M
+7.0% YoY-0.2% QoQ
|
+$24.2M |
$435.9M
-0.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$606.9M
+18.7% YoY+0.9% QoQ
|
+$68.9M |
$538.0M
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.9%
-22.3% YoY+17.0% QoQ
|
+0.2% |
0.7%
+33.9% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
69% |
| NIM |
2.7%
-4.2% YoY+0.2% QoQ
|
-0.8% |
3.4%
+8.6% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
72.1%
+5.2% YoY-2.6% QoQ
|
-6.0% |
78.1%
-3.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.5%
+2.1% YoY+25.9% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
75.8%
-9.9% YoY-1.1% QoQ
|
-5.2% |
81.0%
-1.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$23,384
+3.3% YoY-0.1% QoQ
|
$-3K |
$26,482
+2.6% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
40% |
| CD Concentration |
32.2%
+15.4% YoY+3.0% QoQ
|
+7.8% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)