BlastPoint's Credit Union Scorecard
CLEARVIEW
Charter #9007 · PA
CLEARVIEW has 2 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.52% above tier average
- + Share Certificate Concentration (%): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 81.7% in tier
- - Flatlined Growth: Bottom 81.7% in tier
- - Efficiency ratio 4.40% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Pennsylvania.
- Shares and deposits +0.6% year over year ($1.93B in shares and deposits).
- Membership: 141,031 members, +0.3% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.79%.
- Efficiency ratio 77.42% vs a 73.02% peer average.
- Loan-to-share ratio 80.38% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
141,031
+0.3% YoY+0.0% QoQ
|
+44.2K |
96,861
-1.9% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 14.3% in tier |
| Assets |
$2.2B
+1.2% YoY+0.6% QoQ
|
+$456.0M |
$1.7B
+0.4% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$1.6B
+2.4% YoY+1.4% QoQ
|
+$316.3M |
$1.2B
+0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$1.9B
+0.6% YoY+0.5% QoQ
|
+$465.6M |
$1.5B
+0.5% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.8%
+149.9% YoY+15.9% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
3.9%
+8.8% YoY+1.3% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
77.4%
-2.1% YoY-0.0% QoQ
|
+4.4% |
73.0%
-2.7% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
0.7%
-2.7% YoY+9.1% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
80.4%
+1.7% YoY+1.0% QoQ
|
-4.3% |
84.7%
+0.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
32% |
| AMR |
$24,671
+1.1% YoY+0.8% QoQ
|
$-5K |
$29,575
+1.5% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
28% |
| CD Concentration |
15.7%
-21.5% YoY-5.4% QoQ
|
-13.4% | 29.1% | 15.6% | 20.0% | Bottom 6.4% in tier |
| Indirect Auto % |
27.5%
-3.1% YoY+0.2% QoQ
|
+9.5% | 18.1% | 8.4% | 7.7% | 73% |
Signature Analysis
Strengths (0)
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)