BlastPoint's Credit Union Scorecard
POWELL SCHOOLS
Charter #12794 · WY
POWELL SCHOOLS has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Asset Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.48% below tier average
- - Efficiency ratio 7.73% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.1% in tier
- - Net Worth Ratio: Bottom 2.5% in tier
- - Fee Income Per Member: Bottom 9.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 7 that size in Wyoming.
- Shares and deposits +13.3% year over year ($3.6M in shares and deposits).
- Membership: 394 members, +1.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.01%.
- Efficiency ratio 96.49% vs a 88.77% peer average.
- Loan-to-share ratio 75.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
394
+1.0% YoY-0.3% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
Bottom 10.8% in tier |
| Assets |
$3.9M
+12.2% YoY+5.9% QoQ
|
$-26.4M |
$30.3M
+1.5% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$2.7M
+1.7% YoY+3.3% QoQ
|
$-12.8M |
$15.5M
-1.7% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$3.6M
+13.3% YoY+6.4% QoQ
|
$-22.2M |
$25.8M
+1.1% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA | 0.0% | -1.5% |
1.5%
+241.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.6% in tier |
| NIM |
1.6%
-2.2% YoY+8.4% QoQ
|
-2.3% |
3.9%
+0.9% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
96.5%
-0.3% YoY+0.3% QoQ
|
+7.7% |
88.8%
-6.9% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
83% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
75.0%
-10.2% YoY-2.9% QoQ
|
+16.1% |
58.9%
-3.1% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$15,954
+6.9% YoY+5.3% QoQ
|
+$992 |
$14,963
-6.8% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)