BlastPoint's Credit Union Scorecard
GROVE CITY AREA
Charter #6722 · PA
GROVE CITY AREA has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 7.3% in tier
- + Organic Growth Leader: Top 19.4% in tier
- + Profitability Leader: Top 29.2% in tier
- + Emerging Performer: Top 39.5% in tier
- + Wallet Share Momentum: Top 91.9% in tier
- + ROA 0.87% above tier average
- + Efficiency Ratio: Top 7.1% in tier
- + First Mortgage Concentration (%): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.43% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,537
+2.0% YoY+0.5% QoQ
|
-6.1K |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$139.8M
+9.6% YoY+0.5% QoQ
|
$-91.5M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$71.9M
+4.9% YoY+4.1% QoQ
|
$-75.9M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$118.5M
+9.1% YoY+0.0% QoQ
|
$-81.8M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
25% |
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| ROA |
1.7%
-4.0% YoY+9.7% QoQ
|
+0.9% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Top 8.2% in tier |
| NIM |
3.5%
+5.8% YoY+1.5% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
58.7%
+5.8% YoY-3.1% QoQ
|
-18.6% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
1.3%
-24.5% YoY-3.6% QoQ
|
+0.4 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
60.6%
-3.9% YoY+4.1% QoQ
|
-12.1% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$19,961
+5.4% YoY+1.0% QoQ
|
$-4K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration |
20.2%
+2.8% YoY+25.9% QoQ
|
-4.2% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-89.0% YoY-43.9% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)