BlastPoint's Credit Union Scorecard

LATROBE

Charter #6689 · PA

<100M

2508 CUs in <100M nationally 186 in PA

LATROBE faces 4 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.30% below tier average
- Efficiency ratio 13.83% above tier (higher cost structure)
- Member decline: -6.5% YoY
- Loan-to-Share Ratio: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	1,617 -6.5% YoY-0.8% QoQ	-1.1K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	43%
Assets	$14.1M -2.7% YoY+4.2% QoQ	$-16.0M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	40%
Loans	$3.1M -13.2% YoY-8.2% QoQ	$-12.2M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	25%
Deposits	$12.6M -3.4% YoY+4.9% QoQ	$-13.2M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	41%

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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	-0.2% -164.1% YoY-131.7% QoQ	-0.3%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	18%
NIM	2.7% -12.9% YoY-17.9% QoQ	-1.3%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 11.9% in tier
Efficiency Ratio	104.5% +16.4% YoY+18.3% QoQ	+13.8%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	Bottom 13.0% in tier
Delinquency Rate	1.0% +283.6% YoY+775.0% QoQ	-0.5	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	64%
Loan To Share	24.8% -10.2% YoY-12.5% QoQ	-33.7%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 7.1% in tier
AMR	$9,691 +1.0% YoY+2.8% QoQ	$-5K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	27%
CD Concentration	9.4% -15.8% YoY-10.6% QoQ	-14.9%	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 (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

447

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#447 of 2508 Top 17.8% in <100M tier

Top Weaknesses (10 metrics)

2328

Loan-to-Share Ratio

balance_sheet

Value: 24.81%

Peer Median: 58.72%

#2328 of 2508 Bottom 7.2% in <100M tier

2213

Member Growth Rate

growth

Value: -6.48%

Peer Median: -1.37%

#2213 of 2508 Bottom 11.8% in <100M tier

2209

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Median: 3.83%

#2209 of 2508 Bottom 12.0% in <100M tier

2191

Loan-to-Member Ratio (LMR)

engagement

Value: $1,926

Peer Median: $4,923

#2191 of 2508 Bottom 12.7% in <100M tier

2184

Efficiency Ratio

profitability

Value: 104.46%

Peer Median: 81.45%

#2184 of 2508 Bottom 13.0% in <100M tier

2142

Loan Growth Rate

growth

Value: -13.19%

Peer Median: -2.36%

#2142 of 2508 Bottom 14.6% in <100M tier

2048

Return on Assets (ROA)

profitability

Value: -0.16%

Peer Median: 0.61%

#2048 of 2508 Bottom 18.4% in <100M tier

1960

Members Per Employee (MPE)

engagement

Value: 231.000

Peer Median: 333.750

#1960 of 2508 Bottom 21.9% in <100M tier

1911

Asset Growth Rate

growth

Value: -2.74%

Peer Median: 1.30%

#1911 of 2508 Bottom 23.8% in <100M tier

1885

Total Loans

balance_sheet

Value: $3.11M

Peer Median: $9.48M

#1885 of 2508 Bottom 24.9% in <100M tier