BlastPoint's Credit Union Scorecard

GROVE CITY AREA

Charter #6722 · PA

100M-500M

1024 CUs in 100M-500M nationally 62 in PA

GROVE CITY AREA has 8 strengths but faces 3 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

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.00% above tier average
+ Efficiency Ratio: Top 4.2% in tier
+ First Mortgage Concentration (%): Top 6.0% in tier
+ Members Per Employee (MPE): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.45% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +9.2% year over year ($129M in shares and deposits).
Membership: 9,677 members, +2.0% vs a year ago.
Delinquency rate 1.33%.
Return on assets 1.87%.
Efficiency ratio 54.61% vs a 76.73% peer average.
Loan-to-share ratio 56.17% vs a 71.54% 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	9,677 +2.0% YoY+0.6% QoQ	-5.5K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	30%
Assets	$152.8M +9.9% YoY+2.8% QoQ	$-79.2M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	32%
Loans	$72.7M +5.3% YoY+4.1% QoQ	$-73.6M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	19%
Deposits	$129.4M +9.2% YoY+2.6% QoQ	$-71.3M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	30%

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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	1.9% +23.6% YoY+6.9% QoQ	+1.0%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Top 5.0% in tier
NIM	3.5% +0.5% YoY+3.6% QoQ	-0.2%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	38%
Efficiency Ratio	54.6% -9.9% YoY-4.1% QoQ	-22.1%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	Top 4.2% in tier
Delinquency Rate	1.3% +0.2% YoY-1.6% QoQ	+0.5	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	81%
Loan To Share	56.2% -3.6% YoY+1.5% QoQ	-15.4%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	19%
AMR	$20,879 +5.7% YoY+2.5% QoQ	$-4K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	37%
CD Concentration	23.1% +43.5% YoY+3.4% QoQ	-1.5%	24.6%	15.6%	20.0%	50%
Indirect Auto %	0.0% -100.0% YoY	-13.6%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#61 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.87%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Emerging Performer

growth

#59 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.87%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank improving

Organic Growth Leader

growth

#215 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY

Wallet Share Momentum

growth

#413 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.68%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#425 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.30%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#686 of 693 • 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): 0.00% points

(Tier: 0.04% points, National: 0.08% points)

but better than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.61%

Peer Median: 77.26%

#44 of 1024 Top 4.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.87%

Peer Median: 0.75%

#51 of 1024 Top 4.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 5.36%

Peer Median: 29.92%

#62 of 1024 Top 6.0% in 100M-500M tier

100

Members Per Employee (MPE)

engagement

Value: 460.810

Peer Median: 310.924

#100 of 1024 Top 9.7% in 100M-500M tier

104

Asset Growth Rate

growth

Value: 9.90%

Peer Median: 4.12%

#104 of 1024 Top 10.1% in 100M-500M tier

121

Deposit Growth Rate

growth

Value: 9.21%

Peer Median: 3.58%

#121 of 1024 Top 11.7% in 100M-500M tier

167

Net Worth Ratio

risk

Value: 15.26%

Peer Median: 11.71%

#167 of 1024 Top 16.2% in 100M-500M tier

Top Weaknesses (3 metrics)

833

Total Delinquency Rate (60+ days)

risk

Value: 1.33%

Peer Median: 0.71%

#833 of 1024 Bottom 18.8% in 100M-500M tier

832

Total Loans

balance_sheet

Value: $72.67M

Peer Median: $124.04M

#832 of 1024 Bottom 18.8% in 100M-500M tier

827

Loan-to-Share Ratio

balance_sheet

Value: 56.17%

Peer Median: 73.07%

#827 of 1024 Bottom 19.3% in 100M-500M tier