BlastPoint's Credit Union Scorecard
AKRON
Charter #10253 · CO
2596 CUs in <100M nationally
29 in CO
AKRON has 6 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 8.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 19.43% above tier (higher cost structure)
- - Delinquency rate 3.90% above tier average
- - Member decline: -3.8% YoY
- - Total Assets: Bottom 3.4% in tier
- - Total Deposits: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 5.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
- - Total Members: Bottom 5.5% in tier
- - Average Member Relationship (AMR): Bottom 6.1% in tier
- - Total Loans: Bottom 6.8% in tier
- - Deposit Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
230
-3.8% YoY+0.4% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 5.4% in tier |
| Assets |
$531,100
-10.1% YoY+0.5% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.3% in tier |
| Loans |
$431,129
-5.1% YoY-2.5% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.7% in tier |
| Deposits |
$460,200
-10.3% YoY+1.1% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.9% in tier |
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| ROA |
-0.0%
-84.8% YoY-119.4% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
15% |
| NIM |
5.1%
+18.5% YoY-1.7% QoQ
|
+1.2% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Top 11.4% in tier |
| Efficiency Ratio |
100.8%
-4.6% YoY+5.2% QoQ
|
+19.4% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 10.4% in tier |
| Delinquency Rate |
5.4%
+496.6% YoY+328.0% QoQ
|
+3.9 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Top 5.5% in tier |
| Loan To Share |
93.7%
+5.7% YoY-3.5% QoQ
|
+32.4% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
Top 8.2% in tier |
| AMR |
$3,875
-4.2% YoY-1.1% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.0% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
208
Loan-to-Share Ratio
balance_sheet
Value:
93.68%
Peer Avg: -
#208 of 2596
Top 8.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
297
Net Interest Margin (NIM)
profitability
Value:
5.15%
Peer Avg: -
#297 of 2596
Top 11.4% in <100M tier
Top Weaknesses (14 metrics)
2510
Total Assets
balance_sheet
Value:
$531,100
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2496
Total Deposits
balance_sheet
Value:
$460,200
Peer Avg: -
#2496 of 2596
Bottom 3.9% in <100M tier
2459
Asset Growth Rate
growth
Value:
-10.08%
Peer Avg: -
#2459 of 2596
Bottom 5.3% in <100M tier
2455
Total Delinquency Rate (60+ days)
risk
Value:
5.41%
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2455
Total Members
engagement
Value:
230
Peer Avg: -
#2455 of 2596
Bottom 5.5% in <100M tier
2439
Average Member Relationship (AMR)
engagement
Value:
$3,875
Peer Avg: -
#2439 of 2596
Bottom 6.1% in <100M tier
2421
Total Loans
balance_sheet
Value:
$431,129
Peer Avg: -
#2421 of 2596
Bottom 6.8% in <100M tier
2417
Deposit Growth Rate
growth
Value:
-10.27%
Peer Avg: -
#2417 of 2596
Bottom 6.9% in <100M tier
2326
Efficiency Ratio
profitability
Value:
100.82%
Peer Avg: -
#2326 of 2596
Bottom 10.4% in <100M tier
2293
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,874
Peer Avg: -
#2293 of 2596
Bottom 11.7% in <100M tier