BlastPoint's Credit Union Scorecard

WHITE ROSE

Charter #68296 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

WHITE ROSE has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.56% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.25% below tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	10,932 -3.0% YoY-0.6% QoQ	-4.5K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	36%
Assets	$115.2M +0.9% YoY+0.3% QoQ	$-116.7M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	Bottom 9.8% in tier
Loans	$61.6M -13.5% YoY-3.7% QoQ	$-85.7M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 10.9% in tier
Deposits	$104.6M +0.5% YoY+0.1% QoQ	$-96.2M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	Bottom 14.0% in tier

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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	0.5% +31.0% QoQ	-0.3%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	32%
NIM	4.2% +11.7% YoY+1.1% QoQ	+0.6%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	80%
Efficiency Ratio	84.2% -10.1% YoY-2.5% QoQ	+7.2%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	0.6% -5.0% YoY+18.8% QoQ	-0.3	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	39%
Loan To Share	58.9% -13.9% YoY-3.8% QoQ	-13.4%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	21%
AMR	$15,208 -2.3% YoY-0.8% QoQ	$-9K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	Bottom 10.2% in tier
CD Concentration	13.5% -10.3% YoY-1.5% QoQ	-10.9%	24.4%	15.5%	19.8%	50%
Indirect Auto %	29.0% -24.7% YoY-7.8% QoQ	+15.2%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#130 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -13.52%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.57%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Accelerating Exit Risk

decline

#15 of 56 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.31%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Institutional Decline

decline

#105 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $115.18M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -13.52%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Membership Headwinds

decline

#254 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Shrinking Wallet Share

decline

#116 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.31%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#320 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.86%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 28.97%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Efficiency Drag

risk

#426 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.19%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.49% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.97%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (2 metrics)

189

Share Certificate Concentration (%)

balance_sheet

Value: 13.48%

Peer Median: -

#189 of 1069 Top 17.6% in 100M-500M tier

212

Net Interest Margin (NIM)

profitability

Value: 4.16%

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

Top Weaknesses (15 metrics)

1061

Loan Growth Rate

growth

Value: -13.52%

Peer Median: -

#1061 of 1069 Bottom 0.8% in 100M-500M tier

974

AMR Growth Rate

growth

Value: -2.31%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

967

Net Worth Ratio

risk

Value: 8.68%

Peer Median: -

#967 of 1069 Bottom 9.6% in 100M-500M tier

964

Total Assets

balance_sheet

Value: $115.18M

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

961

Loan-to-Member Ratio (LMR)

engagement

Value: $5,636

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

960

Average Member Relationship (AMR)

engagement

Value: $15,208

Peer Median: -

#960 of 1069 Bottom 10.3% in 100M-500M tier

953

Total Loans

balance_sheet

Value: $61.61M

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

919

Total Deposits

balance_sheet

Value: $104.65M

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

901

Net Charge-Off Rate

risk

Value: 0.79%

Peer Median: -

#901 of 1069 Bottom 15.8% in 100M-500M tier

890

Indirect Auto Concentration (%)

balance_sheet

Value: 28.97%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier