BlastPoint's Credit Union Scorecard
PATHFINDER
Charter #9148 · WY
PATHFINDER has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.33% above tier average
- + Fee Income Per Member: Top 2.3% in tier
- + Total Loans: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 7 that size in Wyoming.
- Shares and deposits -3.9% year over year ($61.2M in shares and deposits).
- Membership: 4,350 members, -0.3% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 1.12%.
- Efficiency ratio 81.08% vs a 88.77% peer average.
- Loan-to-share ratio 68.02% vs a 58.89% 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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,350
-0.3% YoY-0.0% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$68.6M
-2.2% YoY-2.1% QoQ
|
+$38.3M |
$30.3M
+1.5% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
Top 13.2% in tier |
| Loans |
$41.6M
-9.4% YoY-4.3% QoQ
|
+$26.2M |
$15.5M
-1.7% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
Top 9.2% in tier |
| Deposits |
$61.2M
-3.9% YoY-2.6% QoQ
|
+$35.4M |
$25.8M
+1.1% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
Top 11.8% in tier |
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| ROA |
1.1%
+13.6% YoY+27.6% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
4.2%
+11.3% YoY-0.1% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
81.1%
+10.0% YoY-4.0% QoQ
|
-7.7% |
88.8%
-6.9% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.6%
-2.0% YoY-1.3% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
68.0%
-5.7% YoY-1.8% QoQ
|
+9.1% |
58.9%
-3.1% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$23,645
-5.9% YoY-3.2% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
Top 11.4% in tier |
| CD Concentration |
34.3%
-0.9% YoY+3.0% QoQ
|
+9.7% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
10.4%
-15.4% YoY-0.9% QoQ
|
-3.3% | 13.6% | 19.1% | 7.7% | 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)