BlastPoint's Credit Union Scorecard
THE DISTRICT
Charter #14369 · CO
THE DISTRICT has 5 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.9% in tier
- + Wallet Share Momentum: Top 24.0% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + AMR Growth Rate: Top 8.4% in tier
- + Loan-to-Member Ratio (LMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.3% in tier
- - Membership Headwinds: Bottom 10.3% in tier
- - Stagnation Risk: Bottom 16.5% in tier
- - ROA 0.87% below tier average
- - Efficiency ratio 17.94% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - Member decline: -3.9% YoY
- - Net Worth Ratio: Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 3.1% in tier
- - Total Members: Bottom 6.0% in tier
- - Share Certificate Concentration (%): Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,124
-3.9% YoY-1.1% QoQ
|
-9.5K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Bottom 5.9% in tier |
| Assets |
$152.6M
+3.7% YoY-3.4% QoQ
|
$-78.7M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$97.2M
+7.1% YoY+0.2% QoQ
|
$-50.6M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
33% |
| Deposits |
$142.7M
+5.3% YoY-3.8% QoQ
|
$-57.6M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
-0.1%
-70.4% YoY-331.3% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.3% in tier |
| NIM |
2.2%
-0.5% YoY-2.0% QoQ
|
-1.4% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
95.2%
-7.5% YoY+5.0% QoQ
|
+17.9% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
1.1%
-42.3% YoY-10.0% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
68.1%
+1.7% YoY+4.2% QoQ
|
-4.6% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$39,176
+10.3% YoY-1.1% QoQ
|
+$15K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 6.0% in tier |
| CD Concentration |
40.4%
+35.7% YoY+7.1% QoQ
|
+15.9% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
4.3%
-36.5% YoY-7.2% QoQ
|
-9.7% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)