BlastPoint's Credit Union Scorecard
URE
Charter #986 · PA
URE has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.63% above tier average
- + Net Interest Margin 1.08% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.64% above tier average
- - Member decline: -4.2% YoY
- - Deposit Growth Rate: Bottom 3.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.0% in tier
- - Asset Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
949
-4.2% YoY-0.6% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$7.9M
-8.6% YoY-2.5% QoQ
|
$-22.3M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$4.7M
-3.9% YoY+2.7% QoQ
|
$-11.1M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$6.0M
-13.3% YoY-3.3% QoQ
|
$-19.7M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
1.2%
+378.1% YoY+37.0% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
5.0%
+10.6% YoY+5.2% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
80.9%
+10.4% YoY-1.8% QoQ
|
-1.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
5.2%
+68.0% YoY+64.3% QoQ
|
+3.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 6.0% in tier |
| Loan To Share |
78.8%
+10.9% YoY+6.1% QoQ
|
+18.2% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
77% |
| AMR |
$11,237
-5.4% YoY-0.1% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
35% |
| CD Concentration |
5.0%
+94.0% YoY+28.4% QoQ
|
-19.5% | 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)