BlastPoint's Credit Union Scorecard

CLEARVIEW

Charter #9007 · PA

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 10 in PA
View Mid-Market leaderboard →

CLEARVIEW has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.54% above tier average
  • + Strong member growth: 10.1% YoY
  • + Member Growth Rate: Top 7.5% in tier
  • + Share Certificate Concentration (%): Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 31.6% in tier
  • - Credit Quality Pressure: Bottom 51.1% in tier
  • - Credit Risk Growth: Bottom 63.2% in tier
  • - Shrinking Wallet Share: Bottom 94.2% in tier
  • - Efficiency ratio 2.82% above tier (higher cost structure)
  • - AMR Growth Rate: Bottom 6.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 140,987
+10.1% YoY-0.9% QoQ
 +44.9K 96,048
-2.7% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 Top 14.1% in tier
Assets $2.2B
+7.2% YoY+2.3% QoQ
 +$447.8M $1.7B
+0.4% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 75%
Loans $1.5B
+3.3% YoY+0.0% QoQ
 +$315.3M $1.2B
+0.2% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 75%
Deposits $1.9B
+5.8% YoY+2.5% QoQ
 +$454.7M $1.5B
+0.5% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 78%

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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 0.7%
+87.2% YoY+124.5% QoQ
 +0.0% 0.7%
+27.6% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 52%
NIM 3.9%
+8.2% YoY+2.2% QoQ
 +0.5% 3.4%
+6.2% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 Top 14.7% in tier
Efficiency Ratio 77.4%
-3.5% YoY-1.9% QoQ
 +2.8% 74.6%
-3.0% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 61%
Delinquency Rate 0.6%
+5.5% YoY-26.0% QoQ
 -0.1 0.8%
+6.9% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 51%
Loan To Share 79.6%
-2.4% YoY-2.4% QoQ
 -3.6% 83.2%
-0.4% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 33%
AMR $24,465
-4.9% YoY+2.3% QoQ
 $-5K $29,652
+2.3% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 26%
CD Concentration 16.6%
-24.7% YoY-8.3% QoQ
 -12.2% 28.8% 15.4% 19.8% Bottom 7.3% in tier
Indirect Auto % 27.5%
-4.2% YoY+0.8% QoQ
 +9.4% 18.1% 8.3% 7.7% 73%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline
#23 of 82 • Bottom 94.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -4.87%
(Tier: 3.34%, National: 6.36%)
worse than tier avg
82 of 384 Mid-Market CUs have this signature | 335 nationally
↓ Shrinking -18 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#109 of 198 • Bottom 31.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.21%
(Tier: 6.82%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 27.49%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 10.05%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY

Credit Quality Pressure

risk
#194 of 225 • Bottom 51.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank worsening

Credit Risk Growth

risk
#168 of 183 • Bottom 63.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.27%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

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)

Comparing against 306 peers in tier

Top Strengths (8 metrics)

24
Member Growth Rate
growth
Value: 10.05%
Peer Median: 2.03%
#24 of 306 Top 7.5% in 1B-3B tier
25
Share Certificate Concentration (%)
balance_sheet
Value: 16.60%
Peer Median: 27.93%
#25 of 306 Top 7.8% in 1B-3B tier
43
Total Members
engagement
Value: 140,987
Peer Median: 85,918
#43 of 306 Top 13.7% in 1B-3B tier
45
Net Interest Margin (NIM)
profitability
Value: 3.90%
Peer Median: 3.37%
#45 of 306 Top 14.4% in 1B-3B tier
65
First Mortgage Concentration (%)
balance_sheet
Value: 22.45%
Peer Median: 33.05%
#65 of 306 Top 20.9% in 1B-3B tier
68
Total Deposits
balance_sheet
Value: $1.92B
Peer Median: $1.31B
#68 of 306 Top 21.9% in 1B-3B tier
76
Total Assets
balance_sheet
Value: $2.17B
Peer Median: $1.51B
#76 of 306 Top 24.5% in 1B-3B tier
77
Total Loans
balance_sheet
Value: $1.53B
Peer Median: $1.11B
#77 of 306 Top 24.8% in 1B-3B tier

Top Weaknesses (1 metrics)

288
AMR Growth Rate
growth
Value: -4.87%
Peer Median: 3.15%
#288 of 306 Bottom 6.2% in 1B-3B tier
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