BlastPoint's Credit Union Scorecard

WHITE ROSE

Charter #68296 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 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 0.54% 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
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	10,636 -4.8% YoY-2.7% QoQ	-4.5K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	35%
Assets	$116.3M -1.8% YoY+1.0% QoQ	$-115.4M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Bottom 10.9% in tier
Loans	$57.7M -15.2% YoY-6.3% QoQ	$-86.4M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 9.5% in tier
Deposits	$105.7M -2.0% YoY+1.1% QoQ	$-95.4M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 14.4% 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	0.3% -44.3% YoY-46.3% QoQ	-0.5%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	21%
NIM	4.2% +6.6% YoY+0.2% QoQ	+0.5%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	88.9% -0.3% YoY+5.7% QoQ	+10.9%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.5% +142.2% YoY-9.2% QoQ	-0.3	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	42%
Loan To Share	54.6% -13.5% YoY-7.3% QoQ	-15.8%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	17%
AMR	$15,371 -2.5% YoY+1.1% QoQ	$-10K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 10.6% in tier
CD Concentration	13.2% -12.6% YoY-2.1% QoQ	-11.1%	24.3%	15.4%	19.8%	50%
Indirect Auto %	27.6% -24.4% YoY-4.9% QoQ	+13.8%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Stagnation Risk

risk

#59 of 570 • 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): -4.78%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -15.23%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.52%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#11 of 53 • 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): -4.78%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.47%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Membership Headwinds

decline

#138 of 570 • 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): -4.78%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#65 of 250 • 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: $116.33M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -4.78%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -15.23%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#232 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#132 of 238 • 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): -2.47%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Efficiency Drag

risk

#331 of 596 • 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: 88.95%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.22% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -4.78%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#365 of 504 • 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): -1.82%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 27.56%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.78%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (2 metrics)

188

Share Certificate Concentration (%)

balance_sheet

Value: 13.20%

Peer Median: 23.10%

#188 of 1070 Top 17.5% in 100M-500M tier

199

Net Interest Margin (NIM)

profitability

Value: 4.17%

Peer Median: 3.62%

#199 of 1070 Top 18.5% in 100M-500M tier

Top Weaknesses (17 metrics)

1064

Loan Growth Rate

growth

Value: -15.23%

Peer Median: 2.93%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

979

Loan-to-Member Ratio (LMR)

engagement

Value: $5,429

Peer Median: $9,356

#979 of 1070 Bottom 8.6% in 100M-500M tier

970

Asset Growth Rate

growth

Value: -1.82%

Peer Median: 3.91%

#970 of 1070 Bottom 9.4% in 100M-500M tier

968

Net Worth Ratio

risk

Value: 8.66%

Peer Median: 11.45%

#968 of 1070 Bottom 9.6% in 100M-500M tier

968

Total Loans

balance_sheet

Value: $57.74M

Peer Median: $121.41M

#968 of 1070 Bottom 9.6% in 100M-500M tier

967

Deposit Growth Rate

growth

Value: -2.03%

Peer Median: 3.30%

#967 of 1070 Bottom 9.7% in 100M-500M tier

960

AMR Growth Rate

growth

Value: -2.47%

Peer Median: 3.46%

#960 of 1070 Bottom 10.4% in 100M-500M tier

957

Average Member Relationship (AMR)

engagement

Value: $15,371

Peer Median: $22,931

#957 of 1070 Bottom 10.7% in 100M-500M tier

954

Member Growth Rate

growth

Value: -4.78%

Peer Median: -0.06%

#954 of 1070 Bottom 10.9% in 100M-500M tier

953

Total Assets

balance_sheet

Value: $116.33M

Peer Median: $196.57M

#953 of 1070 Bottom 11.0% in 100M-500M tier