BlastPoint's Credit Union Scorecard
AMBRIDGE AREA
Charter #900 · PA
AMBRIDGE AREA has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.72% below tier average
- - Efficiency ratio 84.23% above tier (higher cost structure)
- - Delinquency rate 0.71% above tier average
- - Net Worth Ratio: Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Asset Growth Rate: Bottom 6.2% in tier
- - AMR Growth Rate: Bottom 7.4% in tier
- - Loan-to-Share Ratio: Bottom 8.5% in tier
- - Net Charge-Off Rate: Bottom 8.8% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
- - Share Certificate Concentration (%): Bottom 10.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
974
+0.1% YoY+0.2% QoQ
|
-1.7K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
28% |
| Assets |
$12.0M
-9.2% YoY-6.7% QoQ
|
$-17.8M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
36% |
| Loans |
$3.1M
-15.8% YoY-5.9% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$11.3M
-8.5% YoY-6.9% QoQ
|
$-14.2M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
-1.0%
-16.4% YoY-15.0% QoQ
|
-1.7% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.4% in tier |
| NIM |
1.4%
+35.7% YoY+10.7% QoQ
|
-2.6% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
165.6%
-18.3% YoY-7.6% QoQ
|
+84.2% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 2.1% in tier |
| Delinquency Rate |
2.2%
-9.7% YoY+12.8% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
27.9%
-8.0% YoY+1.1% QoQ
|
-33.4% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 8.3% in tier |
| AMR |
$14,794
-10.3% YoY-6.9% QoQ
|
+$167 |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
56% |
| CD Concentration |
36.4%
-7.1% YoY-4.1% QoQ
|
+12.0% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)