BlastPoint's Credit Union Scorecard
FORGE
Charter #9622 · PA
FORGE has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.36% above tier average
- + Members Per Employee (MPE): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.04% above tier average
- - Net Charge-Off Rate: Bottom 8.0% in tier
- - Share Certificate Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,075
-1.5% YoY-0.6% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$53.5M
-1.8% YoY-0.0% QoQ
|
+$23.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$23.8M
-7.2% YoY-1.7% QoQ
|
+$8.0M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$42.3M
-3.6% YoY-0.1% QoQ
|
+$16.6M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
1.0%
-29.7% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
4.0%
+12.0% YoY+2.0% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
64.0%
-6.5% YoY+0.4% QoQ
|
-18.6% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
3.6%
+10.3% YoY+54.3% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.1% in tier |
| Loan To Share |
56.2%
-3.8% YoY-1.6% QoQ
|
-4.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$16,226
-3.5% YoY-0.1% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
38.6%
-2.4% YoY+0.7% QoQ
|
+14.1% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)