BlastPoint's Credit Union Scorecard
ARMCO
Charter #65291 · PA
ARMCO has 9 strengths but faces 1 concern
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 18.3% in tier
- + Organic Growth Leader: Top 31.5% in tier
- + Wallet Share Momentum: Top 31.6% in tier
- + ROA 0.23% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.2% in tier
- + Asset Growth Rate: Top 4.8% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
- + AMR Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 46.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
43,497
+3.7% YoY-4.7% QoQ
|
+4.9K |
38,575
-4.8% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
69% |
| Assets |
$710.1M
+15.1% YoY+1.4% QoQ
|
+$88.3M |
$621.7M
+0.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$468.6M
+10.8% YoY+1.8% QoQ
|
+$38.8M |
$429.8M
-1.8% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$616.9M
+15.8% YoY+1.6% QoQ
|
+$78.2M |
$538.7M
+0.6% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
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| ROA |
0.9%
-21.1% YoY+0.8% QoQ
|
+0.2% |
0.7%
+42.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
2.7%
+0.5% YoY+2.3% QoQ
|
-0.7% |
3.4%
+8.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.7% in tier |
| Efficiency Ratio |
73.0%
+6.6% YoY+1.4% QoQ
|
-4.5% |
77.5%
-4.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
0.5%
-9.0% YoY+16.6% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
76.0%
-4.3% YoY+0.2% QoQ
|
-3.9% |
79.8%
-2.3% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$24,955
+9.5% YoY+6.7% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
31.3%
+2.5% YoY-2.8% QoQ
|
+6.8% | 24.4% | 15.5% | 19.8% | 74% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)