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 1.12% above tier average
- + Net Interest Margin 0.14% above tier average
- + Fee Income Per Member: Top 1.8% in tier
- + Loan-to-Member Ratio (LMR): Top 7.4% in tier
- + Total Loans: Top 7.5% in tier
- + Average Member Relationship (AMR): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.8% YoY
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,397
-2.8% YoY+0.8% QoQ
|
+1.8K |
2,625
-2.2% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$69.1M
+3.3% YoY-1.4% QoQ
|
+$39.3M |
$29.9M
+1.1% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 12.6% in tier |
| Loans |
$44.9M
-8.9% YoY-2.2% QoQ
|
+$29.2M |
$15.8M
-2.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 7.6% in tier |
| Deposits |
$61.9M
+1.7% YoY-2.7% QoQ
|
+$36.5M |
$25.5M
+0.4% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 11.2% in tier |
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| ROA |
1.8%
+84.9% YoY+82.8% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.8% in tier |
| NIM |
4.1%
+1.5% YoY+7.1% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
70.7%
-13.3% YoY-4.1% QoQ
|
-10.7% |
81.4%
-2.4% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.0%
+635.8% YoY+53.7% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
72.6%
-10.4% YoY+0.6% QoQ
|
+11.3% |
61.2%
-3.0% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$24,309
-0.3% YoY-3.3% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
Top 9.2% in tier |
| CD Concentration |
31.6%
-0.0% YoY-8.5% QoQ
|
+7.2% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.1%
-22.4% YoY-9.5% QoQ
|
-2.9% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
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)