BlastPoint's Credit Union Scorecard
DIAMOND
Charter #68241 · PA
DIAMOND has 6 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 18.7% in tier
- + Emerging Performer: Top 38.2% in tier
- + Organic Growth Leader: Top 56.7% in tier
- + Wallet Share Momentum: Top 74.6% in tier
- + ROA 0.39% above tier average
- + Fee Income Per Member: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 78.5% in tier
- - Credit Quality Pressure: Bottom 87.6% in tier
- - Efficiency ratio 0.94% above tier (higher cost structure)
- - Total Loans: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,408
+2.9% YoY+0.6% QoQ
|
-27.0K |
97,431
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$1.2B
+11.8% YoY+4.0% QoQ
|
$-540.6M |
$1.7B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$678.0M
+7.1% YoY+1.4% QoQ
|
$-556.4M |
$1.2B
+0.5% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.6% in tier |
| Deposits |
$1.0B
+11.1% YoY+4.1% QoQ
|
$-413.6M |
$1.5B
+0.9% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
24% |
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 |
1.1%
+41.0% YoY+0.9% QoQ
|
+0.4% |
0.7%
+20.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.0%
+8.1% YoY-0.1% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
75.0%
-6.2% YoY-0.5% QoQ
|
+0.9% |
74.1%
-9.5% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.4%
+13.3% YoY+14.7% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
64.8%
-3.6% YoY-2.6% QoQ
|
-20.0% |
84.8%
-0.8% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.6% in tier |
| AMR |
$24,481
+6.4% YoY+2.4% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
28.2%
+2.4% YoY+0.4% QoQ
|
-0.9% | 29.0% | 15.5% | 19.8% | 48% |
| Indirect Auto % |
0.0%
-77.4% YoY-25.8% QoQ
|
-18.3% | 18.3% | 8.1% | 7.8% | Bottom 12.8% in tier |
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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)