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 18.2% in tier
- + Emerging Performer: Top 36.5% in tier
- + Organic Growth Leader: Top 63.5% in tier
- + Wallet Share Momentum: Top 72.7% in tier
- + ROA 0.98% above tier average
- + Efficiency Ratio: Top 5.1% in tier
- + First Mortgage Concentration (%): Top 6.5% in tier
- + Members Per Employee (MPE): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.47% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,574
+1.9% YoY+0.4% QoQ
|
-5.9K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$143.9M
+10.2% YoY+3.0% QoQ
|
$-87.9M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$71.9M
+6.6% YoY+0.1% QoQ
|
$-75.5M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$122.0M
+9.7% YoY+2.9% QoQ
|
$-78.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
27% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
-0.2% YoY+5.2% QoQ
|
+1.0% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Top 5.1% in tier |
| NIM |
3.5%
+6.1% YoY-0.0% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
57.7%
+3.9% YoY-1.8% QoQ
|
-19.3% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
1.4%
-30.6% YoY+6.0% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
58.9%
-2.8% YoY-2.8% QoQ
|
-13.3% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$20,248
+6.5% YoY+1.4% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
21.7%
+16.0% YoY+7.1% QoQ
|
-2.7% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-89.9% YoY-41.4% QoQ
|
-13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)