BlastPoint's Credit Union Scorecard
NORTH EAST WELCH
Charter #8687 · PA
NORTH EAST WELCH has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.08% above tier average
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -3.9% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,628
-3.9% YoY-0.8% QoQ
|
-48 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$25.6M
+4.7% YoY+4.4% QoQ
|
$-4.6M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$14.0M
+2.7% YoY+2.5% QoQ
|
$-1.3M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
60% |
| Deposits |
$21.2M
+3.0% YoY+5.0% QoQ
|
$-4.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
1.2%
-42.3% YoY-40.0% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
77% |
| NIM |
4.6%
-2.9% YoY-6.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
80% |
| Efficiency Ratio |
72.5%
+15.4% YoY+12.4% QoQ
|
-18.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
30% |
| Delinquency Rate |
0.9%
-18.3% YoY+58.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
66.2%
-0.3% YoY-2.3% QoQ
|
+7.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
61% |
| AMR |
$13,386
+7.1% YoY+4.8% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
47% |
| CD Concentration |
8.0%
+31.7% YoY+2.1% QoQ
|
-16.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)