BlastPoint's Credit Union Scorecard
CLEARVIEW
Charter #9007 · PA
CLEARVIEW has 4 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 57.7% in tier
- + Net Interest Margin 0.54% above tier average
- + Strong member growth: 11.3% YoY
- + Member Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 14.1% in tier
- - Credit Quality Pressure: Bottom 30.0% in tier
- - Credit Risk Growth: Bottom 65.0% in tier
- - Indirect Auto Dependency: Bottom 75.9% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 4.92% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
142,288
+11.3% YoY+0.0% QoQ
|
+44.9K |
97,431
-2.4% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 14.9% in tier |
| Assets |
$2.1B
+5.8% YoY+1.4% QoQ
|
+$395.7M |
$1.7B
+0.9% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$1.5B
+2.5% YoY+0.5% QoQ
|
+$294.5M |
$1.2B
+0.5% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$1.9B
+3.7% YoY+1.5% QoQ
|
+$414.7M |
$1.5B
+0.9% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.3%
-65.8% YoY-7.0% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
3.8%
+10.7% YoY+2.9% QoQ
|
+0.5% |
3.3%
+9.2% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
79.0%
+10.4% YoY-1.1% QoQ
|
+4.9% |
74.1%
-9.5% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.9%
+40.0% YoY+13.7% QoQ
|
-0.0 |
0.9%
+6.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
81.6%
-1.2% YoY-1.0% QoQ
|
-3.2% |
84.8%
-0.8% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
34% |
| AMR |
$23,915
-7.3% YoY+1.0% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
18.1%
-26.3% YoY-8.6% QoQ
|
-10.9% | 29.0% | 15.5% | 19.8% | Bottom 10.1% in tier |
| Indirect Auto % |
27.3%
-4.4% YoY-1.7% QoQ
|
+9.0% | 18.3% | 8.1% | 7.8% | 71% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)