BlastPoint's Credit Union Scorecard

FRANKLIN JOHNSTOWN

Charter #6723 · PA

<100M

2508 CUs in <100M nationally 186 in PA

FRANKLIN JOHNSTOWN faces 2 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

- Efficiency ratio 3.14% above tier (higher cost structure)
- Member decline: -3.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	3,958 -3.3% YoY-1.1% QoQ	+1.3K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	79%
Assets	$37.9M +1.6% YoY+3.8% QoQ	+$7.7M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	67%
Loans	$11.0M -1.7% YoY-2.8% QoQ	$-4.3M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	54%
Deposits	$33.3M +0.2% YoY+4.3% QoQ	+$7.5M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	68%

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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	0.1% -79.0% YoY-85.6% QoQ	+0.0%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	26%
NIM	3.2% -8.8% YoY-11.9% QoQ	-0.8%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	26%
Efficiency Ratio	93.8% +19.1% YoY+22.0% QoQ	+3.1%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.2% -37.8% YoY+78.8% QoQ	-1.3	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	31%
Loan To Share	33.1% -1.8% YoY-6.8% QoQ	-25.4%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 14.2% in tier
AMR	$11,206 +3.2% YoY+3.6% QoQ	$-4K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	34%
CD Concentration	2.7% +1.8% YoY+10.5% QoQ	-21.5%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

363

Net Charge-Off Rate

risk

Value: -0.03%

Peer Median: 0.07%

#363 of 2508 Top 14.4% in <100M tier

532

Total Members

engagement

Value: 3,958

Peer Median: 1,918

#532 of 2508 Top 21.2% in <100M tier

Top Weaknesses (3 metrics)

2151

Loan-to-Share Ratio

balance_sheet

Value: 33.10%

Peer Median: 58.72%

#2151 of 2508 Bottom 14.3% in <100M tier

1951

Loan-to-Member Ratio (LMR)

engagement

Value: $2,787

Peer Median: $4,923

#1951 of 2508 Bottom 22.2% in <100M tier

1896

Efficiency Ratio

profitability

Value: 93.77%

Peer Median: 81.45%

#1896 of 2508 Bottom 24.4% in <100M tier