BlastPoint's Credit Union Scorecard
PATHFINDER
Charter #9148 · WY
PATHFINDER has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
- + Net Interest Margin 0.23% above tier average
- + Fee Income Per Member: Top 3.4% in tier
- + Total Loans: Top 7.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
- + Average Member Relationship (AMR): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.7% YoY
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,352
-3.7% YoY-0.3% QoQ
|
+1.7K |
2,676
+1.6% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$70.1M
-2.7% YoY+3.3% QoQ
|
+$39.9M |
$30.2M
+1.3% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
Top 12.2% in tier |
| Loans |
$43.5M
-9.0% YoY-1.4% QoQ
|
+$28.2M |
$15.3M
-2.0% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
Top 7.6% in tier |
| Deposits |
$62.8M
-4.4% YoY+4.4% QoQ
|
+$37.0M |
$25.8M
+0.7% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 10.8% in tier |
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| ROA |
0.9%
-33.5% YoY-46.0% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
4.2%
+13.6% YoY+0.6% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
84.4%
+10.2% YoY+15.2% QoQ
|
-6.2% |
90.6%
+6.5% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
0.7%
+90.1% YoY+86.4% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
50% |
| Loan To Share |
69.3%
-4.8% YoY-5.5% QoQ
|
+10.8% |
58.5%
-3.0% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$24,434
-2.7% YoY+2.2% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
Top 9.5% in tier |
| CD Concentration |
33.3%
-10.8% YoY+2.1% QoQ
|
+9.0% | 24.3% | 26.4% | 19.8% | 50% |
| Indirect Auto % |
10.5%
-16.7% YoY-4.0% QoQ
|
-3.3% | 13.8% | 19.3% | 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)