BlastPoint's Credit Union Scorecard
URE
Charter #986 · PA
URE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.98% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Asset Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
954
-3.3% YoY+0.5% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$7.8M
-7.8% YoY-0.2% QoQ
|
$-22.4M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$4.5M
-1.9% YoY-4.1% QoQ
|
$-10.8M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$6.1M
-11.4% YoY+1.7% QoQ
|
$-19.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.4%
-111.8% YoY-71.4% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
4.4%
-3.2% YoY-12.6% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
92.6%
+38.2% YoY+14.6% QoQ
|
+2.0% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.8%
-68.5% YoY-84.5% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
74.3%
+10.7% YoY-5.7% QoQ
|
+15.8% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$11,082
-4.4% YoY-1.4% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
34% |
| CD Concentration |
5.4%
+87.6% YoY+8.3% QoQ
|
-18.9% | 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)