BlastPoint's Credit Union Scorecard
COREPLUS
Charter #1148 · CT
COREPLUS has 10 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 9.8% in tier
- + Organic Growth Engine: Top 13.5% in tier
- + ROA 0.52% above tier average
- + Strong member growth: 68.6% YoY
- + Member Growth Rate: Top 0.0% in tier
- + Asset Growth Rate: Top 0.0% in tier
- + Loan Growth Rate: Top 0.0% in tier
- + Deposit Growth Rate: Top 0.0% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Total Members: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.4% in tier
- - Credit Risk Growth: Bottom 35.8% in tier
- - Credit Quality Pressure: Bottom 87.6% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
- - Fee Income Per Member: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,669
+68.6% YoY+63.6% QoQ
|
+12.1K |
38,575
-4.8% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Top 9.7% in tier |
| Assets |
$673.6M
+96.1% YoY+93.8% QoQ
|
+$51.9M |
$621.7M
+0.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$504.0M
+103.5% YoY+96.6% QoQ
|
+$74.2M |
$429.8M
-1.8% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$573.5M
+86.0% YoY+83.7% QoQ
|
+$34.8M |
$538.7M
+0.6% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
1.2%
+100.7% YoY+52.2% QoQ
|
+0.5% |
0.7%
+42.9% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
Top 13.9% in tier |
| NIM |
3.4%
-8.9% YoY-12.2% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
69.2%
-12.6% YoY-13.4% QoQ
|
-8.3% |
77.5%
-4.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.3%
+15.1% YoY+52.2% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.9% in tier |
| Loan To Share |
87.9%
+9.4% YoY+7.0% QoQ
|
+8.0% |
79.8%
-2.3% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$21,266
+15.0% YoY+15.9% QoQ
|
$-6K |
$26,849
+2.7% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
26.2%
-1.7% YoY-0.9% QoQ
|
+1.8% | 24.4% | 14.6% | 19.8% | 57% |
| Indirect Auto % |
49.8%
+4.2% YoY-4.6% QoQ
|
+36.0% | 13.8% | 4.6% | 7.8% | Top 3.4% in tier |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)