BlastPoint's Credit Union Scorecard

1ST ED CREDIT UNION

Charter #65412 · PA

100M-500M
1070 CUs in 100M-500M nationally 62 in PA

1ST ED CREDIT UNION has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Charge-Off Rate: Top 1.9% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Efficiency Drag: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - ROA 0.32% below tier average
  • - Efficiency ratio 7.84% above tier (higher cost structure)
  • - Loan-to-Share Ratio: Bottom 3.5% in tier
  • - Total Loans: Bottom 3.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 7,068
+0.1% YoY+0.3% QoQ
 -8.1K 15,145
-2.5% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 Bottom 11.9% in tier
Assets $139.8M
-0.6% YoY+0.7% QoQ
 $-91.9M $231.7M
+0.8% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 25%
Loans $43.7M
-3.8% YoY+0.4% QoQ
 $-100.4M $144.1M
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 Bottom 3.8% in tier
Deposits $118.6M
-1.7% YoY+0.5% QoQ
 $-82.5M $201.1M
+0.4% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 24%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.4%
+234.9% YoY+14.5% QoQ
 -0.3% 0.7%
+5.1% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 30%
NIM 2.5%
+12.5% YoY+4.5% QoQ
 -1.1% 3.6%
+4.6% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 Bottom 4.6% in tier
Efficiency Ratio 85.9%
-10.0% YoY-2.9% QoQ
 +7.8% 78.0%
-1.7% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 74%
Delinquency Rate 0.5% -0.3 0.8%
+7.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 42%
Loan To Share 36.9%
-2.1% YoY-0.1% QoQ
 -33.5% 70.4%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 Bottom 3.4% in tier
AMR $22,976
-2.4% YoY+0.2% QoQ
 $-2K $24,918
+2.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 50%
CD Concentration 36.7%
+0.4% YoY+0.7% QoQ
 +12.4% 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 (4)

Credit Quality Pressure

risk
#126 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.47% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk
#175 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.86%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.28% points
(Tier: 0.05% points, National: -0.45% points)
but better than tier avg
Member Growth (YoY): 0.14%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally
↓ Shrinking -84 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#136 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.40%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Deposit Outflow

decline
#56 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.69%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 0.14%
(Tier: 0.72%, National: 10.19%)
worse than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

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)

Comparing against 1070 peers in tier

Top Strengths (3 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.61%
#1 of 1070 Top 0.1% in 100M-500M tier
21
Net Charge-Off Rate
risk
Value: -0.04%
Peer Median: 0.35%
#21 of 1070 Top 1.9% in 100M-500M tier
133
Net Worth Ratio
risk
Value: 15.59%
Peer Median: 11.45%
#133 of 1070 Top 12.3% in 100M-500M tier

Top Weaknesses (14 metrics)

1034
Loan-to-Share Ratio
balance_sheet
Value: 36.87%
Peer Median: 71.88%
#1034 of 1070 Bottom 3.5% in 100M-500M tier
1029
Total Loans
balance_sheet
Value: $43.75M
Peer Median: $121.41M
#1029 of 1070 Bottom 3.9% in 100M-500M tier
1021
Net Interest Margin (NIM)
profitability
Value: 2.50%
Peer Median: 3.62%
#1021 of 1070 Bottom 4.7% in 100M-500M tier
989
Fee Income Per Member
profitability
Value: $72.38
Peer Median: $154.95
#989 of 1070 Bottom 7.7% in 100M-500M tier
956
AMR Growth Rate
growth
Value: -2.40%
Peer Median: 3.46%
#956 of 1070 Bottom 10.7% in 100M-500M tier
949
Deposit Growth Rate
growth
Value: -1.69%
Peer Median: 3.30%
#949 of 1070 Bottom 11.4% in 100M-500M tier
949
Share Certificate Concentration (%)
balance_sheet
Value: 36.70%
Peer Median: 23.10%
#949 of 1070 Bottom 11.4% in 100M-500M tier
943
Total Members
engagement
Value: 7,068
Peer Median: 13,200
#943 of 1070 Bottom 12.0% in 100M-500M tier
926
Asset Growth Rate
growth
Value: -0.57%
Peer Median: 3.91%
#926 of 1070 Bottom 13.6% in 100M-500M tier
919
Loan Growth Rate
growth
Value: -3.78%
Peer Median: 2.93%
#919 of 1070 Bottom 14.2% in 100M-500M tier
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