BlastPoint's Credit Union Scorecard
ARMCO
Charter #65291 · PA
ARMCO demonstrates 4 strengths
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 13.9% in tier
- + Organic Growth Engine: Top 25.6% in tier
- + Organic Growth Leader: Top 25.6% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,497
+2.4% YoY0% QoQ
|
+5.4K |
38,079
-4.8% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$717.6M
+10.3% YoY+1.1% QoQ
|
+$98.0M |
$619.7M
-0.2% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
Top 13.2% in tier |
| Loans |
$498.9M
+12.1% YoY+6.5% QoQ
|
+$79.5M |
$419.3M
-1.4% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
79% |
| Deposits |
$622.9M
+10.2% YoY+1.0% QoQ
|
+$83.4M |
$539.5M
-0.1% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.7%
+21.4% YoY-19.3% QoQ
|
+0.0% |
0.7%
+36.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
59% |
| NIM |
2.9%
+8.0% YoY+5.9% QoQ
|
-0.6% |
3.5%
+4.5% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 12.6% in tier |
| Efficiency Ratio |
76.9%
-1.5% YoY+5.3% QoQ
|
-1.5% |
78.4%
-3.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.5%
-17.6% YoY-13.3% QoQ
|
-0.2 |
0.7%
-0.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
80.1%
+1.7% YoY+5.4% QoQ
|
+2.4% |
77.7%
-1.2% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$25,789
+8.4% YoY+3.3% QoQ
|
$-1K |
$26,927
+3.1% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
30.0%
-4.6% YoY-4.2% QoQ
|
+5.7% | 24.3% | 15.4% | 19.8% | 71% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
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)