BlastPoint's Credit Union Scorecard
COREPLUS
Charter #1148 · CT
COREPLUS has 8 strengths but faces 4 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.4% in tier
- + ROA 0.76% above tier average
- + Net Interest Margin 0.70% above tier average
- + Strong member growth: 70.4% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.1% in tier
- - Credit Risk Growth: Bottom 0.1% in tier
- - Credit Quality Pressure: Bottom 37.5% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,669
+70.4% YoY0% QoQ
|
+12.6K |
38,079
-4.8% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
Top 8.4% in tier |
| Assets |
$671.3M
+91.2% YoY-0.3% QoQ
|
+$51.6M |
$619.7M
-0.2% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$502.6M
+96.5% YoY-0.3% QoQ
|
+$83.2M |
$419.3M
-1.4% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
81% |
| Deposits |
$572.4M
+81.0% YoY-0.2% QoQ
|
+$32.9M |
$539.5M
-0.1% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.4%
+121.7% YoY+23.2% QoQ
|
+0.8% |
0.7%
+36.0% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Top 10.8% in tier |
| NIM |
4.2%
+14.6% YoY+22.8% QoQ
|
+0.7% |
3.5%
+4.5% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 9.6% in tier |
| Efficiency Ratio |
66.5%
-16.9% YoY-4.0% QoQ
|
-11.9% |
78.4%
-3.7% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Top 13.8% in tier |
| Delinquency Rate |
0.3%
+43.8% YoY+0.1% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
87.8%
+8.6% YoY-0.1% QoQ
|
+10.1% |
77.7%
-1.2% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
77% |
| AMR |
$21,216
+10.3% YoY-0.2% QoQ
|
$-6K |
$26,927
+3.1% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
20% |
| CD Concentration |
25.2%
-4.0% YoY-3.9% QoQ
|
+0.9% | 24.3% | 14.5% | 19.8% | 54% |
| Indirect Auto % |
50.8%
-0.0% YoY+2.0% QoQ
|
+37.0% | 13.8% | 4.5% | 7.7% | Bottom 3.4% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)