BlastPoint's Credit Union Scorecard
DIAMOND
Charter #68241 · PA
DIAMOND has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.8% in tier
- + Organic Growth Leader: Top 21.2% in tier
- + Emerging Performer: Top 45.1% in tier
- + Credit Quality Leader: Top 56.4% in tier
- + Profitability Leader: Top 85.1% in tier
- + Wallet Share Momentum: Top 93.9% in tier
- + ROA 0.36% above tier average
- + Fee Income Per Member: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.7% in tier
- - Credit Risk Growth: Bottom 19.8% in tier
- - Efficiency ratio 1.43% above tier (higher cost structure)
- - Total Loans: Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
69,963
+2.7% YoY+1.0% QoQ
|
-28.7K |
98,678
-1.9% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$1.1B
+9.4% YoY+0.9% QoQ
|
$-581.7M |
$1.7B
+0.5% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
16% |
| Loans |
$668.8M
+7.1% YoY+3.8% QoQ
|
$-564.3M |
$1.2B
+0.5% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.6% in tier |
| Deposits |
$1.0B
+8.9% YoY+0.4% QoQ
|
$-450.1M |
$1.5B
+1.3% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
1.1%
+39.6% YoY-10.3% QoQ
|
+0.4% |
0.7%
+13.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
81% |
| NIM |
3.0%
+8.1% YoY+1.8% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
75.4%
-6.2% YoY+3.5% QoQ
|
+1.4% |
74.0%
-10.9% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.3%
+24.6% YoY+28.0% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
66.6%
-1.7% YoY+3.4% QoQ
|
-18.6% |
85.2%
-0.8% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.8% in tier |
| AMR |
$23,913
+5.4% YoY+0.7% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
28.0%
+5.5% YoY+1.6% QoQ
|
-0.9% |
29.0%
+0.7% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
47% |
| Indirect Auto % |
0.0%
-78.5% YoY-30.9% QoQ
|
-18.7% |
18.8%
-3.0% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
Bottom 12.6% in tier |
Signature Analysis
Strengths (6)
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.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)