BlastPoint's Credit Union Scorecard

NEW CASTLE BELLCO

Charter #8903 · PA

<100M

2508 CUs in <100M nationally 186 in PA

NEW CASTLE BELLCO has 4 strengths but faces 2 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.36% above tier average
+ Asset Growth Rate: Top 0.8% in tier
+ Deposit Growth Rate: Top 0.8% in tier
+ AMR Growth Rate: Top 3.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 0.5% in tier
- Share Certificate Concentration (%): Bottom 6.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	984 +0.1% YoY+1.2% QoQ	-1.7K	2,676 +1.6% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	28%
Assets	$15.2M +29.1% YoY+5.1% QoQ	$-15.0M	$30.2M +1.3% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	41%
Loans	$7.4M +2.7% YoY+5.1% QoQ	$-7.9M	$15.3M -2.0% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	44%
Deposits	$13.4M +33.1% YoY+5.8% QoQ	$-12.4M	$25.8M +0.7% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	42%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -35.8% YoY-36.4% QoQ	+0.4%	0.1% -77.6% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	45%
NIM	2.7% -23.1% YoY-8.7% QoQ	-1.3%	4.0% +4.0% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	Bottom 11.2% in tier
Efficiency Ratio	75.5% +3.2% YoY+4.6% QoQ	-15.1%	90.6% +6.5% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.0% -65.6% QoQ	-1.5	1.5% +3.8% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	17%
Loan To Share	54.9% -22.8% YoY-0.7% QoQ	-3.6%	58.5% -3.0% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	45%
AMR	$21,119 +20.4% YoY+4.3% QoQ	+$6K	$14,884 -1.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	82%
CD Concentration	41.4% +42.8% YoY+0.5% QoQ	+17.2%	24.3%	15.4%	19.8%	50%
Indirect Auto %	79.4% +5.3% YoY+2.4% QoQ	+65.6%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

Asset Growth Rate

growth

Value: 29.09%

Peer Median: 1.30%

#20 of 2508 Top 0.8% in <100M tier

Deposit Growth Rate

growth

Value: 33.14%

Peer Median: 0.66%

#21 of 2508 Top 0.8% in <100M tier

AMR Growth Rate

growth

Value: 20.37%

Peer Median: 1.27%

#80 of 2508 Top 3.1% in <100M tier

382

Members Per Employee (MPE)

engagement

Value: 492.000

Peer Median: 333.750

#382 of 2508 Top 15.2% in <100M tier

424

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.65%

#424 of 2508 Top 16.9% in <100M tier

461

Average Member Relationship (AMR)

engagement

Value: $21,119

Peer Median: $13,926

#461 of 2508 Top 18.3% in <100M tier

521

Loan-to-Member Ratio (LMR)

engagement

Value: $7,489

Peer Median: $4,923

#521 of 2508 Top 20.7% in <100M tier

Top Weaknesses (3 metrics)

2496

Indirect Auto Concentration (%)

balance_sheet

Value: 79.41%

Peer Median: 0.00%

#2496 of 2508 Bottom 0.5% in <100M tier

2345

Share Certificate Concentration (%)

balance_sheet

Value: 41.43%

Peer Median: 12.45%

#2345 of 2508 Bottom 6.5% in <100M tier

2228

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.83%

#2228 of 2508 Bottom 11.2% in <100M tier