BlastPoint's Credit Union Scorecard
N.F.G. #2
Charter #9776 · PA
N.F.G. #2 has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -6.0% YoY
- - Loan-to-Share Ratio: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,912
-6.0% YoY-1.9% QoQ
|
-764 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$24.9M
+1.0% YoY+1.3% QoQ
|
$-5.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
54% |
| Loans |
$3.8M
-9.3% YoY-2.7% QoQ
|
$-11.4M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$21.2M
+0.5% YoY+1.3% QoQ
|
$-4.6M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
54% |
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| ROA |
0.8%
+4.7% YoY+62.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.4%
+2.2% YoY-2.3% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
77.7%
-1.1% YoY-10.6% QoQ
|
-12.9% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
41% |
| Delinquency Rate |
0.5%
+4.6% YoY-61.4% QoQ
|
-1.1 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
18.1%
-9.8% YoY-3.9% QoQ
|
-40.4% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.1% in tier |
| AMR |
$13,088
+5.2% YoY+2.7% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
46% |
| CD Concentration |
4.0%
-22.1% YoY-11.1% QoQ
|
-20.3% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)