BlastPoint's Credit Union Scorecard
THE DISTRICT
Charter #14369 · CO
THE DISTRICT has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 14.2% in tier
- + Wallet Share Momentum: Top 26.2% in tier
- + Average Member Relationship (AMR): Top 6.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 23.1% in tier
- - Membership Headwinds: Bottom 31.1% in tier
- - Stagnation Risk: Bottom 49.9% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 20.85% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Net Worth Ratio: Bottom 1.5% in tier
- - Net Interest Margin (NIM): Bottom 3.1% in tier
- - Total Members: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,056
-4.3% YoY-1.1% QoQ
|
-9.4K |
15,437
-2.9% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
Bottom 6.0% in tier |
| Assets |
$152.9M
+6.6% YoY+0.2% QoQ
|
$-79.0M |
$231.9M
+1.3% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$94.8M
+4.7% YoY-2.5% QoQ
|
$-52.5M |
$147.3M
-0.1% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$142.8M
+6.1% YoY+0.1% QoQ
|
$-58.0M |
$200.8M
+0.8% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
37% |
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| ROA |
-0.1%
-57.6% YoY+72.3% QoQ
|
-0.9% |
0.8%
+18.2% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.1% in tier |
| NIM |
2.2%
+0.4% YoY+1.0% QoQ
|
-1.4% |
3.6%
+6.7% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
97.9%
-6.4% YoY+2.8% QoQ
|
+20.9% |
77.0%
-3.1% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
Top 3.1% in tier |
| Delinquency Rate |
0.8%
-25.6% YoY-19.6% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
66.4%
-1.3% YoY-2.5% QoQ
|
-5.8% |
72.2%
-1.1% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$39,234
+10.2% YoY+0.1% QoQ
|
+$15K |
$24,676
+3.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
Top 6.4% in tier |
| CD Concentration |
25.4%
-29.4% YoY-37.2% QoQ
|
+0.9% | 24.4% | 26.2% | 19.8% | 50% |
| Indirect Auto % |
4.0%
-36.2% YoY-7.9% QoQ
|
-9.8% | 13.8% | 12.2% | 7.8% | 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 shrinking at least 0.5% year-over-year. Declining 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)