BlastPoint's Credit Union Scorecard

POWELL SCHOOLS

Charter #12794 · WY

<100M

2508 CUs in <100M nationally 7 in WY

POWELL SCHOOLS faces 4 concerns requiring attention

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.14% below tier average
- Efficiency ratio 5.57% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 2.1% in tier
- Net Worth Ratio: Bottom 4.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	395 +2.1% YoY+0.8% QoQ	-2.3K	2,676 +1.6% YoY	21,934 +2.5% YoY	33,913 +5.7% YoY	Bottom 10.8% in tier
Assets	$3.7M +8.1% YoY+4.0% QoQ	$-26.5M	$30.2M +1.3% YoY	$341.2M +5.8% YoY	$578.3M +9.0% YoY	Bottom 14.7% in tier
Loans	$2.6M +2.0% YoY-4.9% QoQ	$-12.7M	$15.3M -2.0% YoY	$250.8M +3.8% YoY	$402.4M +8.7% YoY	22%
Deposits	$3.4M +8.9% YoY+4.3% QoQ	$-22.4M	$25.8M +0.7% YoY	$290.8M +4.6% YoY	$494.3M +9.1% YoY	17%

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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	0.0%	-0.1%	0.1% -77.6% YoY	1.0% -6.8% YoY	0.4% -39.2% YoY	22%
NIM	1.5% -9.9% YoY-11.9% QoQ	-2.5%	4.0% +4.0% YoY	3.9% -0.5% YoY	3.8% +4.1% YoY	Bottom 2.1% in tier
Efficiency Ratio	96.2% -0.2% YoY-0.5% QoQ	+5.6%	90.6% +6.5% YoY	73.8% +4.7% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	1.2% +5.2% QoQ	-0.3	1.5% +3.8% YoY	1.7% +17.4% YoY	1.2% +3.4% YoY	69%
Loan To Share	77.3% -6.3% YoY-8.9% QoQ	+18.8%	58.5% -3.0% YoY	76.1% -2.5% YoY	65.6% -1.4% YoY	78%
AMR	$15,146 +3.6% YoY-0.7% QoQ	+$262	$14,884 -1.7% YoY	$23,399 +4.1% YoY	$19,920 +1.6% YoY	56%
CD Concentration	0.0%	-24.3%	24.3%	26.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	19.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

#1 of 2508 Top 0.1% in <100M tier

259

Deposit Growth Rate

growth

Value: 8.87%

Peer Median: 0.66%

#259 of 2508 Top 10.3% in <100M tier

282

Asset Growth Rate

growth

Value: 8.14%

Peer Median: 1.30%

#282 of 2508 Top 11.2% in <100M tier

421

Member Growth Rate

growth

Value: 2.07%

Peer Median: -1.37%

#421 of 2508 Top 16.7% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

541

Loan-to-Share Ratio

balance_sheet

Value: 77.27%

Peer Median: 58.72%

#541 of 2508 Top 21.5% in <100M tier

Top Weaknesses (10 metrics)

2456

Net Interest Margin (NIM)

profitability

Value: 1.49%

Peer Median: 3.83%

#2456 of 2508 Bottom 2.1% in <100M tier

2408

Net Worth Ratio

risk

Value: 7.73%

Peer Median: 14.28%

#2408 of 2508 Bottom 4.0% in <100M tier

2237

Total Members

engagement

Value: 395

Peer Median: 1,918

#2237 of 2508 Bottom 10.8% in <100M tier

2165

Fee Income Per Member

profitability

Value: $3.80

Peer Median: $60.42

#2165 of 2508 Bottom 13.7% in <100M tier

2139

Total Assets

balance_sheet

Value: $3.66M

Peer Median: $21.86M

#2139 of 2508 Bottom 14.8% in <100M tier

2124

Members Per Employee (MPE)

engagement

Value: 197.500

Peer Median: 333.750

#2124 of 2508 Bottom 15.4% in <100M tier

2083

Total Deposits

balance_sheet

Value: $3.38M

Peer Median: $18.77M

#2083 of 2508 Bottom 17.0% in <100M tier

2010

Efficiency Ratio

profitability

Value: 96.20%

Peer Median: 81.45%

#2010 of 2508 Bottom 19.9% in <100M tier

1970

Return on Assets (ROA)

profitability

Value: 0.01%

Peer Median: 0.61%

#1970 of 2508 Bottom 21.5% in <100M tier

1958

Total Loans

balance_sheet

Value: $2.61M

Peer Median: $9.48M

#1958 of 2508 Bottom 22.0% in <100M tier