BlastPoint's Credit Union Scorecard

CANOPY

Charter #11162 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

CANOPY has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 1.26% below tier average
- Efficiency ratio 10.86% above tier (higher cost structure)
- Delinquency rate 0.38% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	13,443 +0.4% YoY+0.7% QoQ	-1.7K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	51%
Assets	$222.2M -6.6% YoY-4.0% QoQ	$-9.5M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	57%
Loans	$179.5M +1.4% YoY+2.7% QoQ	+$35.4M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	71%
Deposits	$197.9M +1.1% YoY-0.2% QoQ	$-3.2M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.5% -212.1% YoY-649.0% QoQ	-1.3%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	Bottom 2.7% in tier
NIM	4.5% +7.6% YoY+3.4% QoQ	+0.8%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Top 10.6% in tier
Efficiency Ratio	88.9% +11.0% YoY+8.6% QoQ	+10.9%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	1.2% +28.7% YoY-15.4% QoQ	+0.4	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	82%
Loan To Share	90.7% +0.3% YoY+3.0% QoQ	+20.3%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	Top 10.7% in tier
AMR	$28,077 +0.8% YoY+0.4% QoQ	+$3K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	74%
CD Concentration	22.0% +6.3% YoY+0.1% QoQ	-2.2%	24.3%	22.5%	19.8%	50%
Indirect Auto %	22.2% +60.5% YoY+14.4% QoQ	+8.4%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#273 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#236 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -1.01% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 0.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Credit Risk Growth

risk

#345 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#484 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -6.64%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 22.22%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.35%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Liquidity Strain

risk

#176 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.71%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 1.35%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (4 metrics)

113

Net Interest Margin (NIM)

profitability

Value: 4.46%

Peer Median: 3.62%

#113 of 1070 Top 10.5% in 100M-500M tier

115

Loan-to-Share Ratio

balance_sheet

Value: 90.71%

Peer Median: 71.88%

#115 of 1070 Top 10.7% in 100M-500M tier

169

Fee Income Per Member

profitability

Value: $229.90

Peer Median: $154.95

#169 of 1070 Top 15.7% in 100M-500M tier

181

Loan-to-Member Ratio (LMR)

engagement

Value: $13,354

Peer Median: $9,356

#181 of 1070 Top 16.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1051

Asset Growth Rate

growth

Value: -6.64%

Peer Median: 3.91%

#1051 of 1070 Bottom 1.9% in 100M-500M tier

1041

Return on Assets (ROA)

profitability

Value: -0.53%

Peer Median: 0.69%

#1041 of 1070 Bottom 2.8% in 100M-500M tier

941

Members Per Employee (MPE)

engagement

Value: 231.776

Peer Median: 309.176

#941 of 1070 Bottom 12.1% in 100M-500M tier

930

Net Worth Ratio

risk

Value: 8.96%

Peer Median: 11.45%

#930 of 1070 Bottom 13.2% in 100M-500M tier

915

Net Charge-Off Rate

risk

Value: 0.88%

Peer Median: 0.35%

#915 of 1070 Bottom 14.6% in 100M-500M tier

880

Efficiency Ratio

profitability

Value: 88.89%

Peer Median: 78.68%

#880 of 1070 Bottom 17.9% in 100M-500M tier

873

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: 0.61%

#873 of 1070 Bottom 18.5% in 100M-500M tier

812

Indirect Auto Concentration (%)

balance_sheet

Value: 22.22%

Peer Median: 6.61%

#812 of 1070 Bottom 24.2% in 100M-500M tier