BlastPoint's Credit Union Scorecard

PEOPLE FIRST

Charter #6885 · PA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 9 in PA

View Mid-Market leaderboard →

PEOPLE FIRST has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 12.4% in tier
+ Net Interest Margin 0.45% above tier average
+ Loan Growth Rate: Top 3.3% in tier
+ Members Per Employee (MPE): Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.6% in tier
- Credit Quality Pressure: Bottom 16.7% in tier
- Efficiency Drag: Bottom 18.4% in tier
- Indirect Auto Dependency: Bottom 26.3% in tier
- ROA 0.46% below tier average
- Efficiency ratio 7.34% above tier (higher cost structure)
- Delinquency rate 0.24% above tier average
- Net Worth Ratio: Bottom 0.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
Shares and deposits +7.4% year over year ($968M in shares and deposits).
Membership: 77,902 members, +3.0% vs a year ago.
Delinquency rate 1.10%.
Return on assets 0.36%.
Efficiency ratio 80.36% vs a 73.02% peer average.
Loan-to-share ratio 77.99% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	77,902 +3.0% YoY+4.3% QoQ	-19.0K	96,861 -1.9% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	38%
Assets	$1.0B +8.0% YoY+0.9% QoQ	$-683.5M	$1.7B +0.4% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	Bottom 5.3% in tier
Loans	$755.1M +18.5% YoY+11.4% QoQ	$-479.1M	$1.2B +0.7% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	Bottom 11.3% in tier
Deposits	$968.2M +7.4% YoY+0.7% QoQ	$-495.1M	$1.5B +0.5% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	Bottom 14.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% -5.8% YoY+28.1% QoQ	-0.5%	0.8% +27.6% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	Bottom 14.7% in tier
NIM	3.9% +3.4% YoY+1.2% QoQ	+0.4%	3.4% +6.6% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	78%
Efficiency Ratio	80.4% +0.5% YoY-1.6% QoQ	+7.3%	73.0% -2.7% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	80%
Delinquency Rate	1.1% +30.4% YoY+22.3% QoQ	+0.2	0.9% +7.3% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	77%
Loan To Share	78.0% +10.4% YoY+10.6% QoQ	-6.7%	84.7% +0.1% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	25%
AMR	$22,122 +8.8% YoY+0.8% QoQ	$-7K	$29,575 +1.5% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	Bottom 11.7% in tier
CD Concentration	28.9% +5.3% YoY+0.5% QoQ	-0.2%	29.1%	15.6%	20.0%	50%
Indirect Auto %	23.9% -17.4% YoY-8.5% QoQ	+5.8%	18.1%	8.4%	7.7%	68%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#46 of 125 • Top 12.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.80%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#9 of 170 • Bottom 4.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 18.54%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk

#62 of 215 • Bottom 16.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#91 of 193 • Bottom 26.3% in tier

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

Why This Signature

Asset Growth (YoY): 8.01%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 23.87%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Efficiency Drag

risk

#49 of 71 • Bottom 18.4% in tier

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

Why This Signature

Efficiency Ratio: 80.36%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 2.95%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 18.54%

Peer Median: 5.71%

#11 of 300 Top 3.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 472.133

Peer Median: 346.173

#31 of 300 Top 10.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 8.80%

Peer Median: 3.19%

#40 of 300 Top 13.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.87%

Peer Median: 3.46%

#67 of 300 Top 22.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.01%

Peer Median: 5.21%

#76 of 300 Top 25.0% in 1B-3B tier

Top Weaknesses (11 metrics)

299

Net Worth Ratio

risk

Value: 7.59%

Peer Median: 10.91%

#299 of 300 Bottom 0.7% in 1B-3B tier

284

Total Assets

balance_sheet

Value: $1.04B

Peer Median: $1.51B

#284 of 300 Bottom 5.7% in 1B-3B tier

266

Total Loans

balance_sheet

Value: $755.10M

Peer Median: $1.14B

#266 of 300 Bottom 11.7% in 1B-3B tier

265

Average Member Relationship (AMR)

engagement

Value: $22,122

Peer Median: $28,089

#265 of 300 Bottom 12.0% in 1B-3B tier

257

Total Deposits

balance_sheet

Value: $968.22M

Peer Median: $1.30B

#257 of 300 Bottom 14.7% in 1B-3B tier

257

Loan-to-Member Ratio (LMR)

engagement

Value: $9,693

Peer Median: $12,809

#257 of 300 Bottom 14.7% in 1B-3B tier

256

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.77%

#256 of 300 Bottom 15.0% in 1B-3B tier

241

Efficiency Ratio

profitability

Value: 80.36%

Peer Median: 73.62%

#241 of 300 Bottom 20.0% in 1B-3B tier

231

Total Delinquency Rate (60+ days)

risk

Value: 1.10%

Peer Median: 0.70%

#231 of 300 Bottom 23.3% in 1B-3B tier

226

Fee Income Per Member

profitability

Value: $164.70

Peer Median: $204.73

#226 of 300 Bottom 25.0% in 1B-3B tier