BlastPoint's Credit Union Scorecard

THE DISTRICT

Charter #14369 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

THE DISTRICT has 1 strength but faces 8 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Average Member Relationship (AMR): Top 6.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.81% below tier average
- Efficiency ratio 19.75% above tier (higher cost structure)

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
Shares and deposits -6.7% year over year ($138M in shares and deposits).
Membership: 5,936 members, -4.1% vs a year ago.
Delinquency rate 0.95%.
Return on assets 0.05%.
Efficiency ratio 96.49% vs a 76.73% peer average.
Loan-to-share ratio 66.42% vs a 71.54% 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 (CO)	National Avg	Tier Percentile
Members	5,936 -4.1% YoY-1.0% QoQ	-9.2K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	Bottom 5.9% in tier
Assets	$148.3M -6.2% YoY-1.5% QoQ	$-83.7M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	30%
Loans	$91.9M -5.2% YoY-1.8% QoQ	$-54.3M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	30%
Deposits	$138.4M -6.7% YoY-1.5% QoQ	$-62.3M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	35%

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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	0.1% -74.3% QoQ	-0.8%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	Bottom 2.1% in tier
NIM	2.4% +7.9% YoY+3.7% QoQ	-1.3%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	Bottom 3.1% in tier
Efficiency Ratio	96.5% +6.4% YoY+7.9% QoQ	+19.8%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	Bottom 2.9% in tier
Delinquency Rate	1.0% -18.5% YoY-3.3% QoQ	+0.1	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	67%
Loan To Share	66.4% +1.6% YoY-0.3% QoQ	-5.1%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	36%
AMR	$38,809 -2.0% YoY-0.7% QoQ	+$14K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	Top 6.9% in tier
CD Concentration	21.1% -44.0% YoY-2.9% QoQ	-3.4%	24.6%	27.0%	20.0%	50%
Indirect Auto %	3.0% -34.5% YoY-11.9% QoQ	-10.6%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#33 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 96.49%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -4.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#63 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.20%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.95%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Accelerating Exit Risk

decline

#13 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

AMR Growth (YoY): -2.02%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally

↓ Shrinking -16 CUs YoY | New qualifier

Membership Headwinds

decline

#165 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline

#86 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $148.33M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.15%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.20%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#128 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.02%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (3 metrics)

Average Member Relationship (AMR)

engagement

Value: $38,809

Peer Median: $23,006

#71 of 1024 Top 6.8% in 100M-500M tier

112

Loan-to-Member Ratio (LMR)

engagement

Value: $15,489

Peer Median: $9,434

#112 of 1024 Top 10.8% in 100M-500M tier

196

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: 0.34%

#196 of 1024 Top 19.0% in 100M-500M tier

Top Weaknesses (11 metrics)

1009

Net Worth Ratio

risk

Value: 7.61%

Peer Median: 11.71%

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1008

Deposit Growth Rate

growth

Value: -6.67%

Peer Median: 3.58%

#1008 of 1024 Bottom 1.7% in 100M-500M tier

1007

Asset Growth Rate

growth

Value: -6.15%

Peer Median: 4.12%

#1007 of 1024 Bottom 1.8% in 100M-500M tier

1002

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.75%

#1002 of 1024 Bottom 2.2% in 100M-500M tier

995

Efficiency Ratio

profitability

Value: 96.49%

Peer Median: 77.26%

#995 of 1024 Bottom 2.9% in 100M-500M tier

992

Net Interest Margin (NIM)

profitability

Value: 2.41%

Peer Median: 3.67%

#992 of 1024 Bottom 3.2% in 100M-500M tier

964

Total Members

engagement

Value: 5,936

Peer Median: 13,128

#964 of 1024 Bottom 6.0% in 100M-500M tier

928

Loan Growth Rate

growth

Value: -5.20%

Peer Median: 3.02%

#928 of 1024 Bottom 9.5% in 100M-500M tier

922

AMR Growth Rate

growth

Value: -2.02%

Peer Median: 3.53%

#922 of 1024 Bottom 10.1% in 100M-500M tier

889

Member Growth Rate

growth

Value: -4.15%

Peer Median: -0.03%

#889 of 1024 Bottom 13.3% in 100M-500M tier