BlastPoint's Credit Union Scorecard

COMMUNITY POWERED

Charter #15185 · DE

1069 CUs in 100M-500M nationally 4 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 1.2% in tier
+ Organic Growth Engine: Top 6.7% in tier
+ Emerging Performer: Top 28.2% in tier
+ ROA 0.14% above tier average
+ Net Interest Margin 0.26% above tier average
+ Strong member growth: 29.5% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Member Growth Rate: Top 1.1% in tier
+ Asset Growth Rate: Top 2.0% in tier
+ Deposit Growth Rate: Top 3.1% in tier
+ Share Certificate Concentration (%): Top 7.3% in tier
+ Net Worth Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 3.9% in tier
- Margin Compression: Bottom 45.1% in tier
- Liquidity Overhang: Bottom 48.5% in tier
- Credit Quality Pressure: Bottom 86.9% in tier
- Delinquency rate 0.01% above tier average
- AMR Growth Rate: Bottom 0.7% in tier
- Net Charge-Off Rate: Bottom 1.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 4.9% in tier
- Total Loans: Bottom 7.0% in tier
- Loan-to-Share Ratio: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (DE)	National Avg	Tier Percentile
Members	11,264 +29.5% YoY-0.3% QoQ	-4.2K	15,437 -2.9% YoY	17,002 +8.0% YoY	33,374 +5.7% YoY	38%
Assets	$142.3M +19.0% YoY-0.4% QoQ	$-89.6M	$231.9M +1.3% YoY	$210.6M +17.0% YoY	$561.6M +9.7% YoY	27%
Loans	$54.1M -0.2% YoY-3.9% QoQ	$-93.3M	$147.3M -0.1% YoY	$130.5M +17.1% YoY	$397.0M +8.8% YoY	Bottom 6.9% in tier
Deposits	$118.8M +16.9% YoY-0.4% QoQ	$-82.0M	$200.8M +0.8% YoY	$186.4M +17.6% YoY	$477.3M +9.7% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% -33.7% YoY-17.9% QoQ	+0.1%	0.8% +18.2% YoY	2.3% +136.3% YoY	0.7% +15.9% YoY	61%
NIM	3.9% -9.0% YoY+3.0% QoQ	+0.3%	3.6% +6.7% YoY	3.4% +5.3% YoY	3.8% +5.1% YoY	66%
Efficiency Ratio	72.5% +0.5% YoY-2.4% QoQ	-4.5%	77.0% -3.1% YoY	76.4% -7.9% YoY	79.7% -3.3% YoY	31%
Delinquency Rate	0.9% +4.8% YoY-48.4% QoQ	+0.0	0.9% +4.2% YoY	1.8% -3.1% YoY	1.3% -2.1% YoY	63%
Loan To Share	45.5% -14.6% YoY-3.4% QoQ	-26.7%	72.2% -1.1% YoY	48.0% +1.1% YoY	67.4% -1.7% YoY	Bottom 7.2% in tier
AMR	$15,352 -14.3% YoY-1.2% QoQ	$-9K	$24,676 +3.4% YoY	$14,177 +3.6% YoY	$19,687 +2.0% YoY	Bottom 11.2% in tier
CD Concentration	7.7% -21.4% YoY-8.6% QoQ	-16.8%	24.4%	13.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.6%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#6 of 426 • Top 1.2% in tier

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

Why This Signature

Member Growth (YoY): 29.50%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#41 of 595 • Top 6.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 29.50%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#52 of 182 • Top 28.2% 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: 0.90%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 29.50%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#9 of 208 • Bottom 3.9% in tier

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

Why This Signature

AMR Growth (YoY): -14.32%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Margin Compression

decline

#56 of 123 • Bottom 45.1% 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: 0.90%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.36%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.46% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Overhang

risk

#66 of 135 • Bottom 48.5% in tier

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

Why This Signature

Net Worth Ratio: 16.58%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 45.51%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

Credit Quality Pressure

risk

#613 of 705 • Bottom 86.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Member Growth Rate

growth

Value: 29.50%

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

Asset Growth Rate

growth

Value: 18.99%

Peer Median: -

#22 of 1069 Top 2.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 16.88%

Peer Median: -

#34 of 1069 Top 3.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.66%

Peer Median: -

#79 of 1069 Top 7.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 16.58%

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

120

Members Per Employee (MPE)

engagement

Value: 450.560

Peer Median: -

#120 of 1069 Top 11.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1062

AMR Growth Rate

growth

Value: -14.32%

Peer Median: -

#1062 of 1069 Bottom 0.7% in 100M-500M tier

1052

Net Charge-Off Rate

risk

Value: 1.98%

Peer Median: -

#1052 of 1069 Bottom 1.7% in 100M-500M tier

1018

Loan-to-Member Ratio (LMR)

engagement

Value: $4,801

Peer Median: -

#1018 of 1069 Bottom 4.9% in 100M-500M tier

995

Total Loans

balance_sheet

Value: $54.08M

Peer Median: -

#995 of 1069 Bottom 7.0% in 100M-500M tier

992

Loan-to-Share Ratio

balance_sheet

Value: 45.51%

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

949

Average Member Relationship (AMR)

engagement

Value: $15,352

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

810

Total Deposits

balance_sheet

Value: $118.85M

Peer Median: -

#810 of 1069 Bottom 24.3% in 100M-500M tier