BlastPoint's Credit Union Scorecard

COREPLUS

Charter #1148 · CT

1077 CUs in 100M-500M nationally 16 in CT

COREPLUS has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?
CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 20.6% in tier
  • + Credit Quality Leader: Top 39.8% in tier
  • + Net Interest Margin 0.28% above tier average
  • + Total Members: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 14.7% in tier
  • - Shrinking Wallet Share: Bottom 19.9% in tier
  • - ROA 0.02% below tier average
  • - Efficiency ratio 2.60% above tier (higher cost structure)
  • - Indirect Auto Concentration (%): Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CT) National Avg Tier Percentile
Members 30,972
+3.9% YoY+1.6% QoQ
 +15.3K 15,628
-3.4% YoY
 13,754
+3.9% YoY
 33,089
+6.1% YoY
 Top 6.7% in tier
Assets $347.6M
+1.8% YoY-2.2% QoQ
 +$116.3M $231.3M
-0.0% YoY
 $223.0M
+8.2% YoY
 $547.7M
+7.8% YoY
 82%
Loans $256.4M
+3.0% YoY-2.8% QoQ
 +$108.6M $147.8M
-1.4% YoY
 $129.0M
+9.8% YoY
 $388.7M
+8.6% YoY
 Top 12.9% in tier
Deposits $312.1M
+2.4% YoY-2.3% QoQ
 +$111.8M $200.3M
-0.0% YoY
 $195.5M
+7.9% YoY
 $464.6M
+9.3% YoY
 84%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 0.8%
+11.9% YoY+5.2% QoQ
 -0.0% 0.8%
+15.5% YoY
 0.4%
-140.5% YoY
 0.7%
+273.4% YoY
 51%
NIM 3.9%
+7.4% YoY+2.7% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 66%
Efficiency Ratio 79.9%
+4.9% YoY-0.5% QoQ
 +2.6% 77.3%
-3.0% YoY
 85.8%
+0.7% YoY
 79.1%
-3.3% YoY
 61%
Delinquency Rate 0.2%
-22.9% YoY+17.6% QoQ
 -0.7 0.9%
+7.6% YoY
 1.2%
+0.2% YoY
 1.2%
-0.9% YoY
 Bottom 10.9% in tier
Loan To Share 82.1%
+0.6% YoY-0.6% QoQ
 +9.4% 72.7%
-1.5% YoY
 56.5%
+1.7% YoY
 68.0%
-1.7% YoY
 68%
AMR $18,355
-1.2% YoY-4.1% QoQ
 $-6K $24,363
+2.9% YoY
 $16,763
+4.9% YoY
 $19,418
+1.3% YoY
 25%
CD Concentration 26.5%
+2.8% YoY+1.2% QoQ
 +2.0% 24.4%
+4.2% YoY
 14.4%
+16.9% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 52.2%
+11.8% YoY-1.0% QoQ
 +38.2% 14.0%
-5.7% YoY
 5.3%
-6.5% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#378 of 603 • Top 20.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.90%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 52.16%
(Tier: 13.97%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Credit Quality Leader

growth
#136 of 340 • Top 39.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature
Delinquency Rate: 0.20%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Delinquency Change (YoY): -0.06% points
(Tier: 0.04% points, National: 0.07% points)
better than tier avg
340 of 1077 Community CUs have this signature | 457 nationally
→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (2)

Indirect Auto Dependency

risk
#237 of 525 • Bottom 14.7% in tier

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

Why This Signature
Asset Growth (YoY): 1.76%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 52.16%
(Tier: 13.97%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.90%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#199 of 244 • Bottom 19.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.20%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

72
Total Members
engagement
Value: 30,972
Peer Avg: -
#72 of 1077 Top 6.6% in 100M-500M tier
118
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Avg: -
#118 of 1077 Top 10.9% in 100M-500M tier
139
Total Loans
balance_sheet
Value: $256.35M
Peer Avg: -
#139 of 1077 Top 12.8% in 100M-500M tier
142
Member Growth Rate
growth
Value: 3.90%
Peer Avg: -
#142 of 1077 Top 13.1% in 100M-500M tier
175
Total Deposits
balance_sheet
Value: $312.14M
Peer Avg: -
#175 of 1077 Top 16.2% in 100M-500M tier
193
Members Per Employee (MPE)
engagement
Value: 407.526
Peer Avg: -
#193 of 1077 Top 17.8% in 100M-500M tier
198
Total Assets
balance_sheet
Value: $347.58M
Peer Avg: -
#198 of 1077 Top 18.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1044
Indirect Auto Concentration (%)
balance_sheet
Value: 52.16%
Peer Avg: -
#1044 of 1077 Bottom 3.2% in 100M-500M tier
915
AMR Growth Rate
growth
Value: -1.20%
Peer Avg: -
#915 of 1077 Bottom 15.1% in 100M-500M tier
865
Net Worth Ratio
risk
Value: 9.43%
Peer Avg: -
#865 of 1077 Bottom 19.8% in 100M-500M tier
810
Average Member Relationship (AMR)
engagement
Value: $18,355
Peer Avg: -
#810 of 1077 Bottom 24.9% in 100M-500M tier
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