BlastPoint's Credit Union Scorecard
PATHFINDER
Charter #9148 · WY
PATHFINDER has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Net Interest Margin 0.26% above tier average
- + Fee Income Per Member: Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.7% in tier
- + Total Loans: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,365
-2.9% YoY-0.7% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$67.8M
-4.3% YoY-1.8% QoQ
|
+$37.7M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Top 13.4% in tier |
| Loans |
$44.1M
-9.5% YoY-1.8% QoQ
|
+$28.4M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 8.0% in tier |
| Deposits |
$60.2M
-6.6% YoY-2.8% QoQ
|
+$34.5M |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
Top 12.3% in tier |
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| ROA |
1.6%
+76.6% YoY-9.8% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
Top 13.1% in tier |
| NIM |
4.2%
+6.1% YoY+3.4% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
73.3%
-11.6% YoY+3.7% QoQ
|
-9.3% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.3%
+31.6% YoY-65.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
34% |
| Loan To Share |
73.3%
-3.2% YoY+1.0% QoQ
|
+12.7% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$23,899
-5.1% YoY-1.7% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
Top 10.3% in tier |
| CD Concentration |
32.6%
+0.2% YoY+3.0% QoQ
|
+8.2% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % |
10.9%
-19.0% YoY-1.7% QoQ
|
-2.9% | 13.8% | 19.3% | 7.8% | 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)