BlastPoint's Credit Union Scorecard

CLEARWATER

Charter #11300 · MT

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 2 in MT
View Mid-Market leaderboard →

CLEARWATER has 6 strengths but faces 2 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 22.8% in tier
  • + Organic Growth Leader: Top 22.8% in tier
  • + Emerging Performer: Top 33.2% in tier
  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.23% above tier average
  • + Strong member growth: 5.0% YoY

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 40.4% in tier
  • - Total Deposits: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MT) National Avg Tier Percentile
Members 66,586
+5.0% YoY+1.0% QoQ
 -30.8K 97,431
-2.4% YoY
 10,794
+3.9% YoY
 33,374
+5.7% YoY
 22%
Assets $1.1B
+4.1% YoY+1.5% QoQ
 $-580.1M $1.7B
+0.9% YoY
 $197.5M
+8.6% YoY
 $561.6M
+9.7% YoY
 16%
Loans $838.8M
+4.4% YoY+0.4% QoQ
 $-395.6M $1.2B
+0.5% YoY
 $129.1M
+6.1% YoY
 $397.0M
+8.8% YoY
 18%
Deposits $921.8M
+10.7% YoY+1.7% QoQ
 $-537.5M $1.5B
+0.9% YoY
 $168.5M
+7.6% YoY
 $477.3M
+9.7% YoY
 Bottom 8.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.9%
+0.8% YoY-5.3% QoQ
 +0.2% 0.7%
+20.9% YoY
 0.7%
-27.4% YoY
 0.7%
+15.9% YoY
 68%
NIM 3.5%
+8.0% YoY+0.1% QoQ
 +0.2% 3.3%
+9.2% YoY
 3.7%
+4.3% YoY
 3.8%
+5.1% YoY
 65%
Efficiency Ratio 73.2%
+4.5% YoY+1.3% QoQ
 -0.8% 74.1%
-9.5% YoY
 76.7%
+2.1% YoY
 79.7%
-3.3% YoY
 44%
Delinquency Rate 0.8%
-2.6% YoY+563.2% QoQ
 -0.1 0.9%
+6.2% YoY
 0.9%
-14.9% YoY
 1.3%
-2.1% YoY
 55%
Loan To Share 91.0%
-5.7% YoY-1.2% QoQ
 +6.2% 84.8%
-0.8% YoY
 67.3%
-2.3% YoY
 67.4%
-1.7% YoY
 62%
AMR $26,441
+2.4% YoY+0.1% QoQ
 $-3K $29,428
+2.4% YoY
 $21,802
+3.7% YoY
 $19,687
+2.0% YoY
 41%
CD Concentration 20.3%
+3.2% YoY+0.0% QoQ
 -8.7% 29.0% 17.9% 19.8% Bottom 13.8% in tier
Indirect Auto % 10.4%
-6.2% YoY+0.0% QoQ
 -7.9% 18.3% 6.1% 7.8% 37%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#55 of 247 • Top 22.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.02%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.87%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 10.37%
(Tier: 18.31%, National: 7.78%)
better than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth
#21 of 77 • Top 33.2% 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: 0.87%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Member Growth (YoY): 5.02%
(Tier: 3.43%, National: 4.32%)
better than tier avg
77 of 378 Mid-Market CUs have this signature | 282 nationally
→ No prior data (77 CUs now) | New qualifier

Organic Growth Leader

growth
#51 of 142 • Top 22.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.02%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Indirect Auto %: 10.37%
(Tier: 18.31%, National: 7.78%)
better than tier avg
142 of 378 Mid-Market CUs have this signature | 609 nationally
→ No prior data (142 CUs now) | New qualifier

Concerns (1)

Liquidity Strain

risk
#150 of 166 • Bottom 40.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 91.00%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 4.36%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 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)

Comparing against 302 peers in tier

Top Strengths (5 metrics)

44
Share Certificate Concentration (%)
balance_sheet
Value: 20.35%
Peer Median: -
#44 of 302 Top 14.2% in 1B-3B tier
45
Deposit Growth Rate
growth
Value: 10.65%
Peer Median: -
#45 of 302 Top 14.6% in 1B-3B tier
58
Member Growth Rate
growth
Value: 5.02%
Peer Median: -
#58 of 302 Top 18.9% in 1B-3B tier
70
Net Charge-Off Rate
risk
Value: 0.30%
Peer Median: -
#70 of 302 Top 22.8% in 1B-3B tier
74
Net Worth Ratio
risk
Value: 12.50%
Peer Median: -
#74 of 302 Top 24.2% in 1B-3B tier

Top Weaknesses (4 metrics)

275
Total Deposits
balance_sheet
Value: $921.79M
Peer Median: -
#275 of 302 Bottom 9.3% in 1B-3B tier
255
Total Assets
balance_sheet
Value: $1.14B
Peer Median: -
#255 of 302 Bottom 15.9% in 1B-3B tier
249
Total Loans
balance_sheet
Value: $838.79M
Peer Median: -
#249 of 302 Bottom 17.9% in 1B-3B tier
236
Total Members
engagement
Value: 66,586
Peer Median: -
#236 of 302 Bottom 22.2% in 1B-3B tier
Link copied to clipboard!