BlastPoint's Credit Union Scorecard
POWELL SCHOOLS
Charter #12794 · WY
2556 CUs in <100M nationally
8 in WY
POWELL SCHOOLS has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 14.16% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Net Worth Ratio: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
392
+0.8% YoY-0.3% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
Bottom 10.7% in tier |
| Assets |
$3.5M
+6.1% YoY+0.9% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.3% in tier |
| Loans |
$2.7M
+3.5% YoY+1.2% QoQ
|
$-13.0M |
$15.8M
-1.3% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$3.2M
+6.7% YoY+1.0% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.0%
-54.5% YoY-12.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
1.7%
-4.2% YoY+3.0% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.5% in tier |
| Efficiency Ratio |
96.7%
+0.4% YoY+0.2% QoQ
|
+14.2% |
82.6%
-2.3% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
Top 15.0% in tier |
| Delinquency Rate |
1.2%
-1.2% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
84.8%
-3.0% YoY+0.2% QoQ
|
+24.2% |
60.6%
-3.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$15,247
+4.4% YoY+1.4% QoQ
|
+$464 |
$14,783
-1.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 19.3% | 7.8% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
394
Loan-to-Share Ratio
balance_sheet
Value:
84.79%
Peer Median: -
#394 of 2556
Top 15.4% in <100M tier
452
Deposit Growth Rate
growth
Value:
6.71%
Peer Median: -
#452 of 2556
Top 17.6% in <100M tier
531
Asset Growth Rate
growth
Value:
6.15%
Peer Median: -
#531 of 2556
Top 20.7% in <100M tier
636
Member Growth Rate
growth
Value:
0.77%
Peer Median: -
#636 of 2556
Top 24.8% in <100M tier
Top Weaknesses (10 metrics)
2491
Net Interest Margin (NIM)
profitability
Value:
1.69%
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2435
Net Worth Ratio
risk
Value:
8.03%
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2283
Total Members
engagement
Value:
392
Peer Median: -
#2283 of 2556
Bottom 10.7% in <100M tier
2249
Fee Income Per Member
profitability
Value:
$3.84
Peer Median: -
#2249 of 2556
Bottom 12.1% in <100M tier
2191
Total Assets
balance_sheet
Value:
$3.52M
Peer Median: -
#2191 of 2556
Bottom 14.3% in <100M tier
2174
Efficiency Ratio
profitability
Value:
96.72%
Peer Median: -
#2174 of 2556
Bottom 15.0% in <100M tier
2169
Members Per Employee (MPE)
engagement
Value:
196.000
Peer Median: -
#2169 of 2556
Bottom 15.2% in <100M tier
2135
Return on Assets (ROA)
profitability
Value:
0.01%
Peer Median: -
#2135 of 2556
Bottom 16.5% in <100M tier
2134
Total Deposits
balance_sheet
Value:
$3.23M
Peer Median: -
#2134 of 2556
Bottom 16.5% in <100M tier
1984
Total Loans
balance_sheet
Value:
$2.74M
Peer Median: -
#1984 of 2556
Bottom 22.4% in <100M tier