BlastPoint's Credit Union Scorecard

APCI

Charter #9607 · PA

Community 500M-750M

169 CUs in 500M-750M nationally 4 in PA

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APCI has 6 strengths but faces 15 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

+ Credit Quality Leader: Top 49.9% in tier
+ Relationship Depth Leader: Top 98.0% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 1.2% in tier
+ Average Member Relationship (AMR): Top 1.2% in tier
+ Total Delinquency Rate (60+ days): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 12.4% in tier
- Credit Quality Pressure: Bottom 18.6% in tier
- Flatlined Growth: Bottom 20.4% in tier
- Credit Risk Growth: Bottom 25.8% in tier
- Stagnation Risk: Bottom 28.5% in tier
- Membership Headwinds: Bottom 32.8% in tier
- ROA 0.37% below tier average
- Efficiency ratio 7.66% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 0.6% in tier
- First Mortgage Concentration (%): Bottom 2.4% in tier
- Total Members: Bottom 2.4% in tier
- Loan-to-Share Ratio: Bottom 4.1% in tier
- Total Loans: Bottom 6.5% in tier
- Share Certificate Concentration (%): Bottom 7.7% in tier
- Fee Income Per Member: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	17,481 -0.6% YoY-0.3% QoQ	-22.3K	39,752 -2.7% YoY	17,552 +5.9% YoY	33,089 +6.1% YoY	Bottom 1.8% in tier
Assets	$665.7M +1.1% YoY-0.7% QoQ	+$43.3M	$622.4M +0.3% YoY	$283.8M +10.6% YoY	$547.7M +7.8% YoY	69%
Loans	$282.7M +1.6% YoY-0.7% QoQ	$-153.2M	$435.9M -0.4% YoY	$193.1M +8.6% YoY	$388.7M +8.6% YoY	Bottom 5.9% in tier
Deposits	$603.9M +0.1% YoY-1.2% QoQ	+$65.9M	$538.0M +1.3% YoY	$243.3M +10.9% YoY	$464.6M +9.3% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -966.9% YoY-4.9% QoQ	-0.4%	0.7% +33.9% YoY	0.8% +22.9% YoY	0.7% +273.4% YoY	26%
NIM	1.8% +25.0% YoY+1.0% QoQ	-1.6%	3.4% +8.6% YoY	3.5% +4.5% YoY	3.7% +5.0% YoY	Bottom 0.0% in tier
Efficiency Ratio	85.8% -16.1% YoY+1.3% QoQ	+7.7%	78.1% -3.4% YoY	76.2% -1.5% YoY	79.1% -3.3% YoY	80%
Delinquency Rate	0.2% +99.5% YoY+103.7% QoQ	-0.6	0.8% -4.9% YoY	1.3% -8.2% YoY	1.2% -0.9% YoY	Bottom 9.5% in tier
Loan To Share	46.8% +1.5% YoY+0.5% QoQ	-34.2%	81.0% -1.8% YoY	55.4% -2.3% YoY	68.0% -1.7% YoY	Bottom 3.6% in tier
AMR	$50,721 +1.2% YoY-0.8% QoQ	+$24K	$26,482 +2.6% YoY	$16,339 +4.2% YoY	$19,418 +1.3% YoY	Top 1.8% in tier
CD Concentration	39.3% +6.8% YoY+8.1% QoQ	+14.9%	24.4% +4.2% YoY	15.5% +9.2% YoY	19.6% +6.2% YoY	Top 8.6% in tier
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	8.0% +2.0% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#170 of 340 • Top 49.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#252 of 257 • Top 98.0% 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): 1.16%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (6)

Efficiency Drag

risk

#220 of 521 • Bottom 12.4% in tier

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

Why This Signature

Efficiency Ratio: 85.76%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#460 of 736 • Bottom 18.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Flatlined Growth

risk

#22 of 58 • Bottom 20.4% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.08%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.29%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 281 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Credit Risk Growth

risk

#388 of 446 • Bottom 25.8% in tier

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

Why This Signature

Loan Growth (YoY): 1.61%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Stagnation Risk

risk

#470 of 550 • Bottom 28.5% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.61%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#541 of 550 • Bottom 32.8% in tier

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

Why This Signature

Member Growth (YoY): -0.57%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | 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 169 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.02%

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $50,721

Peer Avg: -

#3 of 169 Top 1.2% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,173

Peer Avg: -

#21 of 169 Top 11.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $603.94M

Peer Avg: -

#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (10 metrics)

169

Net Interest Margin (NIM)

profitability

Value: 1.79%

Peer Avg: -

#169 of 169 Bottom 0.6% in 500M-750M tier

166

First Mortgage Concentration (%)

balance_sheet

Value: 66.51%

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

166

Total Members

engagement

Value: 17,481

Peer Avg: -

#166 of 169 Bottom 2.4% in 500M-750M tier

163

Loan-to-Share Ratio

balance_sheet

Value: 46.81%

Peer Avg: -

#163 of 169 Bottom 4.1% in 500M-750M tier

159

Total Loans

balance_sheet

Value: $282.72M

Peer Avg: -

#159 of 169 Bottom 6.5% in 500M-750M tier

157

Share Certificate Concentration (%)

balance_sheet

Value: 39.28%

Peer Avg: -

#157 of 169 Bottom 7.7% in 500M-750M tier

155

Fee Income Per Member

profitability

Value: $117.68

Peer Avg: -

#155 of 169 Bottom 8.9% in 500M-750M tier

141

Deposit Growth Rate

growth

Value: 0.12%

Peer Avg: -

#141 of 169 Bottom 17.2% in 500M-750M tier

139

Net Worth Ratio

risk

Value: 8.90%

Peer Avg: -

#139 of 169 Bottom 18.3% in 500M-750M tier

137

Efficiency Ratio

profitability

Value: 85.76%

Peer Avg: -

#137 of 169 Bottom 19.5% in 500M-750M tier