BlastPoint's Credit Union Scorecard
URE
Charter #986 · PA
URE has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.76% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 7.72% above tier (higher cost structure)
- - Delinquency rate 2.40% above tier average
- - Deposit Growth Rate: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 6.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
- - AMR Growth Rate: Bottom 10.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
947
-2.0% YoY-0.7% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$7.7M
-9.2% YoY-1.8% QoQ
|
$-22.6M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$4.3M
-4.2% YoY-4.4% QoQ
|
$-11.1M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$5.9M
-13.7% YoY-3.2% QoQ
|
$-19.9M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.2%
-118.4% YoY-51.2% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.0% in tier |
| NIM |
4.7%
+0.9% YoY+6.0% QoQ
|
+0.8% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
96.5%
+20.1% YoY+4.2% QoQ
|
+7.7% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
3.9%
+48.6% YoY+390.1% QoQ
|
+2.4 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
73.5%
+10.9% YoY-1.2% QoQ
|
+14.6% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$10,751
-8.1% YoY-3.0% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
5.0%
+53.3% YoY-7.2% QoQ
|
-19.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)