BlastPoint's Credit Union Scorecard
BETHLEHEM 1ST
Charter #716 · PA
BETHLEHEM 1ST has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Loan Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - Indirect Auto Concentration (%): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,338
-3.1% YoY-0.7% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$70.1M
+4.1% YoY+0.9% QoQ
|
+$40.3M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
Top 12.1% in tier |
| Loans |
$25.8M
+12.9% YoY+19.4% QoQ
|
+$10.1M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$62.2M
+2.4% YoY+0.0% QoQ
|
+$36.8M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
Top 10.9% in tier |
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| ROA |
0.9%
-4.8% YoY-10.6% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
3.5%
+10.1% YoY+1.4% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
61.4%
-6.6% YoY-2.6% QoQ
|
-20.0% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.5%
-38.9% YoY-37.7% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
41.5%
+10.3% YoY+19.3% QoQ
|
-19.7% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$20,307
+8.6% YoY+5.8% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
14.4%
+16.7% YoY+18.4% QoQ
|
-10.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
26.2%
+49.2% YoY+107.5% QoQ
|
+12.2% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)