BlastPoint's Credit Union Scorecard

PEOPLE FIRST

Charter #6885 · PA

Community 750M-1B

112 CUs in 750M-1B nationally 7 in PA

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PEOPLE FIRST has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 29.8% in tier
+ Wallet Share Momentum: Top 72.3% in tier
+ Net Interest Margin 0.46% above tier average
+ Total Deposits: Top 0.0% in tier
+ Total Members: Top 7.1% in tier
+ Total Assets: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.4% in tier
- Indirect Auto Dependency: Bottom 11.5% in tier
- Credit Quality Pressure: Bottom 13.2% in tier
- ROA 0.29% below tier average
- Efficiency ratio 5.02% above tier (higher cost structure)
- Delinquency rate 0.11% above tier average
- Net Worth Ratio: Bottom 9.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	76,360 +2.1% YoY+0.9% QoQ	+24.2K	52,114 -2.1% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Top 8.0% in tier
Assets	$958.3M +6.7% YoY-0.5% QoQ	+$99.3M	$859.0M +0.0% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	Top 10.7% in tier
Loans	$661.1M +11.0% YoY+3.8% QoQ	+$57.8M	$603.4M +1.0% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	62%
Deposits	$892.3M +6.5% YoY-1.0% QoQ	+$158.2M	$734.2M +0.9% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	Top 0.9% 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% -274.8% YoY+8.5% QoQ	-0.3%	0.7% +27.6% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	28%
NIM	3.8% +8.5% YoY+2.3% QoQ	+0.5%	3.4% +9.6% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	78%
Efficiency Ratio	79.5% -13.0% YoY-0.5% QoQ	+5.0%	74.5% -3.2% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.9% +32.7% YoY+9.9% QoQ	+0.1	0.8% +5.0% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	67%
Loan To Share	74.1% +4.2% YoY+4.9% QoQ	-8.6%	82.7% +0.1% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	23%
AMR	$20,344 +6.2% YoY+0.1% QoQ	$-8K	$28,651 +2.5% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	16%
CD Concentration	28.5% +8.8% YoY+3.9% QoQ	+4.1%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	66%
Indirect Auto %	28.5% +7.6% YoY-1.4% QoQ	+14.5%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	81%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#546 of 603 • Top 29.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.06%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.42%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 28.50%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#348 of 481 • Top 72.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.19%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#82 of 446 • Bottom 5.4% in tier

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

Why This Signature

Loan Growth (YoY): 10.99%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#186 of 525 • Bottom 11.5% in tier

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

Why This Signature

Asset Growth (YoY): 6.69%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 28.50%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.06%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#327 of 736 • Bottom 13.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 112 peers in tier

Top Strengths (6 metrics)

Total Deposits

balance_sheet

Value: $892.34M

Peer Avg: -

#1 of 112 Top 0.0% in 750M-1B tier

Total Members

engagement

Value: 76,360

Peer Avg: -

#9 of 112 Top 7.1% in 750M-1B tier

Total Assets

balance_sheet

Value: $958.35M

Peer Avg: -

#12 of 112 Top 9.8% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 460.000

Peer Avg: -

#18 of 112 Top 15.2% in 750M-1B tier

Loan Growth Rate

growth

Value: 10.99%

Peer Avg: -

#23 of 112 Top 19.6% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 3.83%

Peer Avg: -

#25 of 112 Top 21.4% in 750M-1B tier

Top Weaknesses (5 metrics)

102

Net Worth Ratio

risk

Value: 7.96%

Peer Avg: -

#102 of 112 Bottom 9.8% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $8,658

Peer Avg: -

#96 of 112 Bottom 15.2% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $20,344

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 28.50%

Peer Avg: -

#88 of 112 Bottom 22.3% in 750M-1B tier

Loan-to-Share Ratio

balance_sheet

Value: 74.09%

Peer Avg: -

#86 of 112 Bottom 24.1% in 750M-1B tier