BlastPoint's Credit Union Scorecard
APCI
Charter #9607 · PA
APCI has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 60.9% in tier
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 48.8% in tier
- - Credit Quality Pressure: Bottom 52.8% in tier
- - ROA 0.18% below tier average
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Total Members: Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
- - Total Loans: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,438
-0.4% YoY-0.1% QoQ
|
-20.6K |
38,079
-4.8% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
Bottom 1.2% in tier |
| Assets |
$689.3M
+1.9% YoY+0.3% QoQ
|
+$69.6M |
$619.7M
-0.2% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$290.1M
+3.3% YoY+1.0% QoQ
|
$-129.2M |
$419.3M
-1.4% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.4% in tier |
| Deposits |
$626.9M
+1.4% YoY+0.5% QoQ
|
+$87.4M |
$539.5M
-0.1% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
Top 14.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+80.2% YoY+53.3% QoQ
|
-0.2% |
0.7%
+36.0% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
1.9%
+10.7% YoY+7.5% QoQ
|
-1.5% |
3.5%
+4.5% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
77.2%
-10.2% YoY-7.8% QoQ
|
-1.1% |
78.4%
-3.7% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.1%
+15.3% YoY-51.3% QoQ
|
-0.6 |
0.7%
-0.9% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
46.3%
+2.0% YoY+0.4% QoQ
|
-31.4% |
77.7%
-1.2% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.2% in tier |
| AMR |
$52,583
+2.4% YoY+0.8% QoQ
|
+$26K |
$26,927
+3.1% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Top 1.2% in tier |
| CD Concentration |
36.5%
+7.4% YoY-0.6% QoQ
|
+12.3% | 24.3% | 15.4% | 19.8% | Top 11.8% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)