BlastPoint's Credit Union Scorecard

CLEARWATER

Charter #11300 · MT

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 2 in MT

View Mid-Market leaderboard →

CLEARWATER has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

MT Analysis

How does MT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 24.2% in tier
+ Organic Growth Leader: Top 24.2% in tier
+ Emerging Performer: Top 28.5% in tier
+ ROA 0.22% above tier average
+ Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 10.8% in tier
- Liquidity Strain: Bottom 37.1% in tier
- Credit Risk Growth: Bottom 49.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Members	67,211 +4.8% YoY+0.9% QoQ	-28.8K	96,048 -2.7% YoY	10,888 +4.4% YoY	33,913 +5.7% YoY	23%
Assets	$1.2B +1.4% YoY+0.7% QoQ	$-568.9M	$1.7B +0.4% YoY	$199.2M +7.2% YoY	$578.3M +9.0% YoY	17%
Loans	$849.0M +5.9% YoY+1.2% QoQ	$-364.7M	$1.2B +0.2% YoY	$130.6M +6.8% YoY	$402.4M +8.7% YoY	21%
Deposits	$937.9M +5.8% YoY+1.7% QoQ	$-527.6M	$1.5B +0.5% YoY	$171.8M +7.2% YoY	$494.3M +9.1% YoY	Bottom 9.8% in tier

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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	0.9% +4.6% YoY+7.7% QoQ	+0.2%	0.7% +27.6% YoY	0.8% +356.3% YoY	0.4% -39.2% YoY	74%
NIM	3.7% +10.9% YoY+6.3% QoQ	+0.4%	3.4% +6.2% YoY	3.6% +0.6% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	72.3% -0.4% YoY-1.2% QoQ	-2.3%	74.6% -3.0% YoY	77.3% -4.1% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.5% +249.0% YoY-44.3% QoQ	-0.3	0.8% +6.9% YoY	0.9% -3.4% YoY	1.2% +3.4% YoY	32%
Loan To Share	90.5% +0.1% YoY-0.5% QoQ	+7.3%	83.2% -0.4% YoY	64.8% -3.7% YoY	65.6% -1.4% YoY	67%
AMR	$26,587 +1.0% YoY+0.6% QoQ	$-3K	$29,652 +2.3% YoY	$22,075 +3.7% YoY	$19,920 +1.6% YoY	40%
CD Concentration	19.4% -0.8% YoY-4.7% QoQ	-9.4%	28.8%	18.1%	19.8%	Bottom 12.3% in tier
Indirect Auto %	10.2% -7.6% YoY-2.1% QoQ	-7.9%	18.1%	5.6%	7.7%	38%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#38 of 115 • Top 24.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.80%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.94%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 10.15%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#40 of 116 • Top 24.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.80%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 10.15%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Emerging Performer

growth

#29 of 79 • Top 28.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.94%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.80%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#41 of 225 • Bottom 10.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#55 of 183 • Bottom 49.2% in tier

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

Why This Signature

Loan Growth (YoY): 5.90%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.33% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#136 of 148 • Bottom 37.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.52%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.90%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

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 306 peers in tier

Top Strengths (4 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 19.40%

Peer Median: 27.93%

#40 of 306 Top 12.7% in 1B-3B tier

Member Growth Rate

growth

Value: 4.80%

Peer Median: 2.03%

#68 of 306 Top 21.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.65%

Peer Median: 10.85%

#75 of 306 Top 24.2% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.72%

Peer Median: 3.37%

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (5 metrics)

276

Total Deposits

balance_sheet

Value: $937.91M

Peer Median: $1.31B

#276 of 306 Bottom 10.1% in 1B-3B tier

254

Total Assets

balance_sheet

Value: $1.15B

Peer Median: $1.51B

#254 of 306 Bottom 17.3% in 1B-3B tier

251

Asset Growth Rate

growth

Value: 1.44%

Peer Median: 4.82%

#251 of 306 Bottom 18.3% in 1B-3B tier

241

Total Loans

balance_sheet

Value: $849.04M

Peer Median: $1.11B

#241 of 306 Bottom 21.6% in 1B-3B tier

235

Total Members

engagement

Value: 67,211

Peer Median: 85,918

#235 of 306 Bottom 23.5% in 1B-3B tier