BlastPoint's Credit Union Scorecard
CANOPY
Charter #11162 · WA
CANOPY has 2 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Fee Income Per Member: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 52.0% in tier
- - Credit Quality Pressure: Bottom 54.0% in tier
- - Shrinking Wallet Share: Bottom 88.4% in tier
- - Indirect Auto Dependency: Bottom 97.2% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 4.83% above tier (higher cost structure)
- - Delinquency rate 0.47% above tier average
- - Net Charge-Off Rate: Bottom 7.2% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,348
+0.1% YoY-0.6% QoQ
|
-2.1K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
50% |
| Assets |
$231.4M
-2.1% YoY+0.9% QoQ
|
$-441K |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$174.7M
-5.6% YoY-1.1% QoQ
|
+$27.4M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$198.4M
+3.5% YoY+2.4% QoQ
|
$-2.4M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
0.1%
-74.5% YoY-42.5% QoQ
|
-0.7% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.8% in tier |
| NIM |
4.3%
+5.1% YoY+1.6% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
81.8%
+6.5% YoY+2.0% QoQ
|
+4.8% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
1.4%
+15.7% YoY-16.1% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
88.1%
-8.7% YoY-3.4% QoQ
|
+15.8% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$27,954
-1.0% YoY+1.3% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
22.0%
+3.7% YoY-0.5% QoQ
|
-2.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
19.4%
+42.1% YoY+6.4% QoQ
|
+5.6% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)