BlastPoint's Credit Union Scorecard
APCI
Charter #9607 · PA
APCI has 5 strengths but faces 7 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 59.9% in tier
- + Total Delinquency Rate (60+ days): Top 0.6% in tier
- + Average Member Relationship (AMR): Top 0.6% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 0.56% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Total Members: Bottom 1.8% in tier
- - First Mortgage Concentration (%): Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
- - Share Certificate Concentration (%): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 3 that size in Pennsylvania.
- Shares and deposits +0.7% year over year ($616M in shares and deposits).
- Membership: 17,521 members, -0.1% vs a year ago.
- Delinquency rate 0.09%.
- Return on assets 0.52%.
- Efficiency ratio 77.12% vs a 76.56% peer average.
- Loan-to-share ratio 49.16% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,521
-0.1% YoY+0.5% QoQ
|
-20.4K |
37,897
-5.0% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Bottom 1.2% in tier |
| Assets |
$678.2M
+1.1% YoY-1.6% QoQ
|
+$55.8M |
$622.4M
+0.6% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$302.7M
+6.3% YoY+4.3% QoQ
|
$-125.8M |
$428.5M
-0.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.7% in tier |
| Deposits |
$615.7M
+0.7% YoY-1.8% QoQ
|
+$75.9M |
$539.8M
+0.9% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.5%
+69.8% YoY+2.5% QoQ
|
-0.3% |
0.8%
+39.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
2.0%
+13.5% YoY+4.1% QoQ
|
-1.5% |
3.5%
+5.0% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
77.1%
-8.9% YoY-0.2% QoQ
|
+0.6% |
76.6%
-3.6% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.1%
-18.8% YoY+56.9% QoQ
|
-0.7 |
0.8%
+3.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Top 0.6% in tier |
| Loan To Share |
49.2%
+5.5% YoY+6.2% QoQ
|
-30.2% |
79.3%
-1.4% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.2% in tier |
| AMR |
$52,415
+2.5% YoY-0.3% QoQ
|
+$25K |
$27,294
+4.1% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Top 1.2% in tier |
| CD Concentration |
37.4%
+3.0% YoY+2.3% QoQ
|
+12.8% | 24.6% | 15.6% | 20.0% | Top 10.7% in tier |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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 (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)