BlastPoint's Credit Union Scorecard
LATROBE
Charter #6689 · PA
LATROBE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.23% below tier average
- - Efficiency ratio 18.82% above tier (higher cost structure)
- - Member decline: -3.9% YoY
- - Loan-to-Share Ratio: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +1.9% year over year ($12.5M in shares and deposits).
- Membership: 1,607 members, -3.9% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.26%.
- Efficiency ratio 107.59% vs a 88.77% peer average.
- Loan-to-share ratio 24.51% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,607
-3.9% YoY-0.6% QoQ
|
-978 |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
43% |
| Assets |
$14.1M
+1.7% YoY-0.5% QoQ
|
$-16.2M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$3.1M
-14.9% YoY-1.6% QoQ
|
$-12.4M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$12.5M
+1.9% YoY-0.4% QoQ
|
$-13.3M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
0.3%
-49.7% YoY-269.0% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
2.8%
-14.6% YoY+1.0% QoQ
|
-1.1% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
107.6%
+25.3% YoY+3.0% QoQ
|
+18.8% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate |
0.5%
+230.8% YoY-49.5% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
24.5%
-16.5% YoY-1.2% QoQ
|
-34.4% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.1% in tier |
| AMR |
$9,687
+2.1% YoY-0.0% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
8.9%
-17.9% YoY-4.5% QoQ
|
-15.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)