BlastPoint's Credit Union Scorecard
SAINT NORBERT'S
Charter #65564 · PA
SAINT NORBERT'S has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 4.2% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Efficiency ratio 31.85% above tier (higher cost structure)
- - Delinquency rate 2.65% above tier average
- - Member decline: -19.8% YoY
- - Total Members: Bottom 0.6% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Total Loans: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
65
-19.8% YoY0% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 0.5% in tier |
| Assets |
$313,313
-9.6% YoY+0.1% QoQ
|
$-29.5M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.8% in tier |
| Loans |
$11,329
-43.9% YoY-10.9% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.2% in tier |
| Deposits |
$208,297
-13.4% YoY0% QoQ
|
$-25.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.8% in tier |
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| ROA |
-0.4%
-48.3% YoY-38.6% QoQ
|
-1.1% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.7% in tier |
| NIM |
3.1%
+53.2% YoY-24.2% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
22% |
| Efficiency Ratio |
113.2%
-18.7% YoY-2.7% QoQ
|
+31.8% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.5% in tier |
| Delinquency Rate |
4.2%
+12.3% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
5.4%
-35.2% YoY-10.9% QoQ
|
-55.8% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 1.0% in tier |
| AMR |
$3,379
+5.0% YoY-0.6% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.3% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
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)