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BlastPoint's Credit Union Scorecard

COMMUNITY POWERED

Charter #15185 · DE

100M-500M
1024 CUs in 100M-500M nationally 4 in DE

COMMUNITY POWERED has 7 strengths but faces 8 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 Engine: Top 50.0% in tier
  • + Emerging Performer: Top 50.0% in tier
  • + Organic Growth Leader: Top 50.0% in tier
  • + ROA 0.29% above tier average
  • + Net Interest Margin 0.29% above tier average
  • + Share Certificate Concentration (%): Top 6.2% in tier
  • + Net Worth Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Delinquency rate 0.61% above tier average
  • - Loan Growth Rate: Bottom 2.5% in tier
  • - AMR Growth Rate: Bottom 2.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
  • - Total Loans: Bottom 6.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Delaware.
  • Shares and deposits -2.8% year over year ($118M in shares and deposits).
  • Membership: 11,542 members, +2.2% vs a year ago.
  • Delinquency rate 1.49%.
  • Return on assets 1.16%.
  • Efficiency ratio 75.20% vs a 76.73% peer average.
  • Loan-to-share ratio 43.65% 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 (DE) National Avg Tier Percentile
Members 11,542
+2.2% YoY+1.3% QoQ
 -3.6K 15,168
-2.6% YoY
 17,843
+5.5% YoY
 34,678
+6.6% YoY
 41%
Assets $141.8M
-1.6% YoY-2.6% QoQ
 $-90.2M $232.0M
+0.7% YoY
 $212.9M
+9.3% YoY
 $593.1M
+10.2% YoY
 26%
Loans $51.6M
-10.0% YoY-1.2% QoQ
 $-94.7M $146.3M
+0.2% YoY
 $132.7M
+10.6% YoY
 $418.6M
+10.1% YoY
 Bottom 6.3% in tier
Deposits $118.2M
-2.8% YoY-3.3% QoQ
 $-82.6M $200.7M
+0.2% YoY
 $188.9M
+9.2% YoY
 $504.8M
+10.3% YoY
 23%

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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 1.2%
-6.4% YoY+5.5% QoQ
 +0.3% 0.9%
+12.5% YoY
 1.1%
-28.8% YoY
 1.2%
+121.4% YoY
 73%
NIM 4.0%
+2.3% YoY+3.6% QoQ
 +0.3% 3.7%
+4.5% YoY
 3.5%
+5.6% YoY
 3.8%
+2.3% YoY
 69%
Efficiency Ratio 75.2%
+4.6% YoY-2.9% QoQ
 -1.5% 76.7%
-0.8% YoY
 79.3%
-0.3% YoY
 83.0%
-5.3% YoY
 41%
Delinquency Rate 1.5%
-32.5% YoY-18.9% QoQ
 +0.6 0.9%
+6.6% YoY
 2.3%
-27.7% YoY
 1.3%
+2.6% YoY
 Bottom 14.5% in tier
Loan To Share 43.7%
-7.4% YoY+2.2% QoQ
 -27.9% 71.5%
-0.3% YoY
 47.6%
-0.9% YoY
 66.4%
-1.4% YoY
 Bottom 6.4% in tier
AMR $14,706
-7.1% YoY-3.9% QoQ
 $-10K $25,107
+3.2% YoY
 $14,118
+1.5% YoY
 $20,028
-0.9% YoY
 Bottom 8.1% in tier
CD Concentration 6.7%
-19.6% YoY-1.5% QoQ
 -17.8% 24.6% 13.4% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 7.1% 7.7% 50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#68 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.17%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Return on Assets: 1.16%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally
↓ Shrinking -271 CUs YoY | Rank worsening

Emerging Performer

growth
#99 of 175 • Top 50.0% 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: 1.16%
(Tier: 0.85%, National: 1.23%)
better than tier avg
Member Growth (YoY): 2.17%
(Tier: 0.46%, National: 15.67%)
better than tier avg
175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally
→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Organic Growth Leader

growth
#194 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.17%
(Tier: 0.46%, National: 15.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.63%, National: 7.71%)
better than tier avg
342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally
↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (3)

Shrinking Wallet Share

decline
#29 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): -7.11%
(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 | Rank worsening

Liquidity Overhang

risk
#43 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.22%
(Tier: 12.53%, National: 14.66%)
but better than tier avg
Loan-to-Share Ratio: 43.65%
(Tier: 73.56%, National: 66.39%)
worse than tier avg
130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally
↑ Growing +7 CUs YoY | Rank improving

Deposit Outflow

decline
#58 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.79%
(Tier: 4.24%, National: 100.69%)
worse than tier avg
Member Growth (YoY): 2.17%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally
↓ Shrinking -9 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)

Comparing against 1024 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
64
Share Certificate Concentration (%)
balance_sheet
Value: 6.72%
Peer Median: 23.39%
#64 of 1024 Top 6.2% in 100M-500M tier
82
Net Worth Ratio
risk
Value: 17.22%
Peer Median: 11.71%
#82 of 1024 Top 7.9% in 100M-500M tier
238
Members Per Employee (MPE)
engagement
Value: 384.733
Peer Median: 310.924
#238 of 1024 Top 23.1% in 100M-500M tier

Top Weaknesses (11 metrics)

999
Loan Growth Rate
growth
Value: -9.99%
Peer Median: 3.02%
#999 of 1024 Bottom 2.5% in 100M-500M tier
999
AMR Growth Rate
growth
Value: -7.11%
Peer Median: 3.53%
#999 of 1024 Bottom 2.5% in 100M-500M tier
990
Loan-to-Member Ratio (LMR)
engagement
Value: $4,469
Peer Median: $9,434
#990 of 1024 Bottom 3.4% in 100M-500M tier
959
Total Loans
balance_sheet
Value: $51.58M
Peer Median: $124.04M
#959 of 1024 Bottom 6.4% in 100M-500M tier
958
Loan-to-Share Ratio
balance_sheet
Value: 43.65%
Peer Median: 73.07%
#958 of 1024 Bottom 6.5% in 100M-500M tier
944
Deposit Growth Rate
growth
Value: -2.79%
Peer Median: 3.58%
#944 of 1024 Bottom 7.9% in 100M-500M tier
941
Average Member Relationship (AMR)
engagement
Value: $14,706
Peer Median: $23,006
#941 of 1024 Bottom 8.2% in 100M-500M tier
927
Asset Growth Rate
growth
Value: -1.64%
Peer Median: 4.12%
#927 of 1024 Bottom 9.6% in 100M-500M tier
877
Total Delinquency Rate (60+ days)
risk
Value: 1.49%
Peer Median: 0.71%
#877 of 1024 Bottom 14.5% in 100M-500M tier
791
Total Deposits
balance_sheet
Value: $118.16M
Peer Median: $170.77M
#791 of 1024 Bottom 22.9% in 100M-500M tier
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