BlastPoint's Credit Union Scorecard

PEOPLE FIRST

Charter #6885 · PA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 10 in PA

View Mid-Market leaderboard →

PEOPLE FIRST has 3 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 9.5% in tier
+ Net Interest Margin 0.48% above tier average
+ AMR Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.7% in tier
- Credit Risk Growth: Bottom 16.8% in tier
- Efficiency Drag: Bottom 20.6% in tier
- Indirect Auto Dependency: Bottom 27.6% in tier
- Membership Headwinds: Bottom 79.5% in tier
- Stagnation Risk: Bottom 79.5% in tier
- ROA 0.43% below tier average
- Efficiency ratio 7.03% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	74,678 -1.0% YoY-1.1% QoQ	-21.4K	96,048 -2.7% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	35%
Assets	$1.0B +8.0% YoY+3.3% QoQ	$-688.7M	$1.7B +0.4% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	Bottom 2.9% in tier
Loans	$678.1M +11.7% YoY+1.4% QoQ	$-535.7M	$1.2B +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	Bottom 5.6% in tier
Deposits	$961.5M +7.6% YoY+3.5% QoQ	$-504.1M	$1.5B +0.5% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	Bottom 12.7% 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	0.3% -22.8% YoY-29.0% QoQ	-0.4%	0.7% +27.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	Bottom 14.4% in tier
NIM	3.8% +3.1% YoY+0.0% QoQ	+0.5%	3.4% +6.2% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	80%
Efficiency Ratio	81.7% +2.7% YoY+1.5% QoQ	+7.0%	74.6% -3.0% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	78%
Delinquency Rate	0.9% +74.8% YoY-19.2% QoQ	+0.1	0.8% +6.9% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	74%
Loan To Share	70.5% +3.8% YoY-2.0% QoQ	-12.7%	83.2% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	17%
AMR	$21,955 +10.4% YoY+3.8% QoQ	$-8K	$29,652 +2.3% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	Bottom 12.4% in tier
CD Concentration	28.8% +8.4% YoY+0.6% QoQ	-0.1%	28.8%	15.4%	19.8%	51%
Indirect Auto %	26.1% -7.6% YoY-3.3% QoQ	+8.0%	18.1%	8.3%	7.7%	71%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#36 of 125 • Top 9.5% in tier

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

Why This Signature

AMR Growth (YoY): 10.36%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | Rank improving

Concerns (6)

Credit Risk Growth

risk

#9 of 183 • Bottom 16.8% in tier

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

Why This Signature

Loan Growth (YoY): 11.73%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.39% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#33 of 225 • Bottom 8.7% in tier

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

Why This Signature

Delinquency Change (YoY): 0.39% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#54 of 198 • Bottom 27.6% 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: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 26.09%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.96%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Efficiency Drag

risk

#40 of 100 • Bottom 20.6% in tier

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

Why This Signature

Efficiency Ratio: 81.67%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.08% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.96%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Membership Headwinds

decline

#79 of 91 • Bottom 79.5% in tier

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

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#82 of 91 • Bottom 79.5% 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): -0.96%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 11.73%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.90%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | 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 306 peers in tier

Top Strengths (4 metrics)

AMR Growth Rate

growth

Value: 10.36%

Peer Median: 3.15%

#30 of 306 Top 9.5% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 455.354

Peer Median: 345.077

#39 of 306 Top 12.4% in 1B-3B tier

Loan Growth Rate

growth

Value: 11.73%

Peer Median: 5.67%

#50 of 306 Top 16.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.83%

Peer Median: 3.37%

#60 of 306 Top 19.3% in 1B-3B tier

Top Weaknesses (10 metrics)

304

Net Worth Ratio

risk

Value: 7.55%

Peer Median: 10.85%

#304 of 306 Bottom 1.0% in 1B-3B tier

297

Total Assets

balance_sheet

Value: $1.03B

Peer Median: $1.51B

#297 of 306 Bottom 3.3% in 1B-3B tier

289

Total Loans

balance_sheet

Value: $678.05M

Peer Median: $1.11B

#289 of 306 Bottom 5.9% in 1B-3B tier

279

Loan-to-Member Ratio (LMR)

engagement

Value: $9,080

Peer Median: $12,733

#279 of 306 Bottom 9.2% in 1B-3B tier

268

Average Member Relationship (AMR)

engagement

Value: $21,955

Peer Median: $28,178

#268 of 306 Bottom 12.7% in 1B-3B tier

267

Total Deposits

balance_sheet

Value: $961.47M

Peer Median: $1.31B

#267 of 306 Bottom 13.1% in 1B-3B tier

262

Return on Assets (ROA)

profitability

Value: 0.28%

Peer Median: 0.66%

#262 of 306 Bottom 14.7% in 1B-3B tier

254

Loan-to-Share Ratio

balance_sheet

Value: 70.52%

Peer Median: 85.31%

#254 of 306 Bottom 17.3% in 1B-3B tier

239

Efficiency Ratio

profitability

Value: 81.67%

Peer Median: 75.16%

#239 of 306 Bottom 22.2% in 1B-3B tier

237

Member Growth Rate

growth

Value: -0.96%

Peer Median: 2.03%

#237 of 306 Bottom 22.9% in 1B-3B tier