BlastPoint's Credit Union Scorecard

APCI

Charter #9607 · PA

Community 500M-750M

165 CUs in 500M-750M nationally 3 in PA

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APCI has 5 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 84.3% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 0.6% in tier
+ Total Delinquency Rate (60+ days): Top 1.2% in tier
+ Net Charge-Off Rate: Top 1.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 47.1% in tier
- Membership Headwinds: Bottom 91.5% in tier
- Stagnation Risk: Bottom 95.3% in tier
- Credit Quality Pressure: Bottom 99.4% in tier
- Credit Risk Growth: Bottom 99.8% in tier
- ROA 0.33% below tier average
- Efficiency ratio 6.24% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 0.6% in tier
- Total Members: Bottom 1.8% in tier
- First Mortgage Concentration (%): Bottom 3.0% in tier
- Loan-to-Share Ratio: Bottom 4.2% in tier
- Total Loans: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	17,461 -0.8% YoY-0.1% QoQ	-21.1K	38,575 -4.8% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	Bottom 1.2% in tier
Assets	$686.9M +2.5% YoY+3.2% QoQ	+$65.2M	$621.7M +0.1% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	74%
Loans	$287.3M +1.8% YoY+1.6% QoQ	$-142.6M	$429.8M -1.8% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Bottom 6.7% in tier
Deposits	$623.5M +1.4% YoY+3.2% QoQ	+$84.8M	$538.7M +0.6% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	Top 14.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +465.5% YoY+13.7% QoQ	-0.3%	0.7% +42.9% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	26%
NIM	1.8% +20.8% YoY+0.4% QoQ	-1.6%	3.4% +8.0% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	Bottom 0.0% in tier
Efficiency Ratio	83.7% -13.9% YoY-2.3% QoQ	+6.2%	77.5% -4.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	78%
Delinquency Rate	0.1% +1.6% YoY-47.8% QoQ	-0.7	0.8% -1.1% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Bottom 1.2% in tier
Loan To Share	46.1% +0.4% YoY-1.6% QoQ	-33.8%	79.8% -2.3% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	Bottom 3.6% in tier
AMR	$52,158 +2.4% YoY+2.8% QoQ	+$25K	$26,849 +2.7% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	Top 1.2% in tier
CD Concentration	36.8% +3.9% YoY-6.4% QoQ	+12.3%	24.4%	15.5%	19.8%	Top 11.5% in tier
Indirect Auto %	0.0%	-13.8%	13.8%	8.1%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#226 of 268 • Top 84.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 2.38%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $5.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#254 of 538 • Bottom 47.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.75%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.27% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -0.82%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Membership Headwinds

decline

#507 of 554 • Bottom 91.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.82%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#528 of 554 • Bottom 95.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.82%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.81%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.12%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#701 of 705 • Bottom 99.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#455 of 456 • Bottom 99.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.81%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $52,158

Peer Median: -

#2 of 165 Top 0.6% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: -

#3 of 165 Top 1.2% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#3 of 165 Top 1.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,451

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

Total Deposits

balance_sheet

Value: $623.49M

Peer Median: -

#24 of 165 Top 13.9% in 500M-750M tier

Total Assets

balance_sheet

Value: $686.89M

Peer Median: -

#42 of 165 Top 24.8% in 500M-750M tier

Top Weaknesses (10 metrics)

165

Net Interest Margin (NIM)

profitability

Value: 1.80%

Peer Median: -

#165 of 165 Bottom 0.6% in 500M-750M tier

163

Total Members

engagement

Value: 17,461

Peer Median: -

#163 of 165 Bottom 1.8% in 500M-750M tier

161

First Mortgage Concentration (%)

balance_sheet

Value: 66.26%

Peer Median: -

#161 of 165 Bottom 3.0% in 500M-750M tier

159

Loan-to-Share Ratio

balance_sheet

Value: 46.07%

Peer Median: -

#159 of 165 Bottom 4.2% in 500M-750M tier

154

Total Loans

balance_sheet

Value: $287.25M

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

149

Fee Income Per Member

profitability

Value: $123.78

Peer Median: -

#149 of 165 Bottom 10.3% in 500M-750M tier

145

Share Certificate Concentration (%)

balance_sheet

Value: 36.78%

Peer Median: -

#145 of 165 Bottom 12.7% in 500M-750M tier

140

Net Worth Ratio

risk

Value: 8.73%

Peer Median: -

#140 of 165 Bottom 15.8% in 500M-750M tier

130

Efficiency Ratio

profitability

Value: 83.75%

Peer Median: -

#130 of 165 Bottom 21.8% in 500M-750M tier

129

Deposit Growth Rate

growth

Value: 1.40%

Peer Median: -

#129 of 165 Bottom 22.4% in 500M-750M tier