BlastPoint's Credit Union Scorecard

COMMUNITY POWERED

Charter #15185 · DE

1077 CUs in 100M-500M nationally 5 in DE

COMMUNITY POWERED has 12 strengths but faces 10 concerns

National Analysis

How does the industry compare?

DE Analysis

How does DE stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 0.4% in tier
+ Organic Growth Engine: Top 0.7% in tier
+ Emerging Performer: Top 17.4% in tier
+ ROA 0.31% above tier average
+ Net Interest Margin 0.17% above tier average
+ Strong member growth: 30.8% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 1.3% in tier
+ Asset Growth Rate: Top 2.8% in tier
+ Deposit Growth Rate: Top 3.2% in tier
+ Share Certificate Concentration (%): Top 8.3% in tier
+ Net Worth Ratio: Top 9.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 1.3% in tier
- Credit Quality Pressure: Bottom 12.0% in tier
- Credit Risk Growth: Bottom 16.8% in tier
- Margin Compression: Bottom 18.6% in tier
- Liquidity Overhang: Bottom 51.9% in tier
- Delinquency rate 0.90% above tier average
- AMR Growth Rate: Bottom 1.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.9% in tier
- Total Loans: Bottom 7.8% in tier
- Loan-to-Share Ratio: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	11,302 +30.8% YoY+0.0% QoQ	-4.3K	15,628 -3.4% YoY	17,253 +10.0% YoY	33,089 +6.1% YoY	37%
Assets	$142.8M +18.0% YoY-0.9% QoQ	$-88.5M	$231.3M -0.0% YoY	$195.2M +8.0% YoY	$547.7M +7.8% YoY	28%
Loans	$56.3M +4.0% YoY-1.8% QoQ	$-91.5M	$147.8M -1.4% YoY	$121.5M +9.1% YoY	$388.7M +8.6% YoY	Bottom 7.7% in tier
Deposits	$119.4M +16.6% YoY-1.8% QoQ	$-80.9M	$200.3M -0.0% YoY	$172.1M +8.7% YoY	$464.6M +9.3% YoY	26%

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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	1.1% -18.7% YoY-10.9% QoQ	+0.3%	0.8% +15.5% YoY	2.8% +77.8% YoY	0.7% +273.4% YoY	72%
NIM	3.8% +1.8% YoY-3.3% QoQ	+0.2%	3.6% +6.9% YoY	3.3% +6.1% YoY	3.7% +5.0% YoY	60%
Efficiency Ratio	74.3% +4.9% YoY+3.3% QoQ	-3.0%	77.3% -3.0% YoY	77.7% -4.8% YoY	79.1% -3.3% YoY	39%
Delinquency Rate	1.8% +17.1% YoY-20.5% QoQ	+0.9	0.9% +7.6% YoY	2.7% +22.3% YoY	1.2% -0.9% YoY	Top 10.0% in tier
Loan To Share	47.1% -10.8% YoY-0.0% QoQ	-25.6%	72.7% -1.5% YoY	48.0% +0.7% YoY	68.0% -1.7% YoY	Bottom 7.8% in tier
AMR	$15,538 -14.2% YoY-1.9% QoQ	$-9K	$24,363 +2.9% YoY	$13,877 +1.3% YoY	$19,418 +1.3% YoY	Bottom 12.1% in tier
CD Concentration	8.4% -13.8% YoY+0.3% QoQ	-16.0%	24.4% +4.2% YoY	12.6% +3.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.8% -5.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#6 of 430 • Top 0.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 30.81%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#13 of 603 • Top 0.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 30.81%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Emerging Performer

growth

#34 of 191 • Top 17.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 30.81%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (5)

Shrinking Wallet Share

decline

#14 of 244 • Bottom 1.3% in tier

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

Why This Signature

AMR Growth (YoY): -14.18%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Credit Quality Pressure

risk

#297 of 736 • Bottom 12.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Credit Risk Growth

risk

#253 of 446 • Bottom 16.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.03%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Margin Compression

decline

#79 of 136 • Bottom 18.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.10%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.35%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.25% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk

#70 of 134 • Bottom 51.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.45%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 47.13%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Member Growth Rate

growth

Value: 30.81%

Peer Avg: -

#15 of 1077 Top 1.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 18.03%

Peer Avg: -

#31 of 1077 Top 2.8% in 100M-500M tier

Deposit Growth Rate

growth

Value: 16.60%

Peer Avg: -

#35 of 1077 Top 3.2% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.38%

Peer Avg: -

#90 of 1077 Top 8.3% in 100M-500M tier

101

Net Worth Ratio

risk

Value: 16.45%

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

145

Members Per Employee (MPE)

engagement

Value: 434.692

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

246

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1066

AMR Growth Rate

growth

Value: -14.18%

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1014

Loan-to-Member Ratio (LMR)

engagement

Value: $4,977

Peer Avg: -

#1014 of 1077 Bottom 5.9% in 100M-500M tier

994

Total Loans

balance_sheet

Value: $56.25M

Peer Avg: -

#994 of 1077 Bottom 7.8% in 100M-500M tier

993

Loan-to-Share Ratio

balance_sheet

Value: 47.13%

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

970

Total Delinquency Rate (60+ days)

risk

Value: 1.75%

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

947

Average Member Relationship (AMR)

engagement

Value: $15,538

Peer Avg: -

#947 of 1077 Bottom 12.2% in 100M-500M tier