BlastPoint's Credit Union Scorecard
COMMUNITY POWERED
Charter #15185 · DE
COMMUNITY POWERED has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.20% above tier average
- + Strong member growth: 28.1% YoY
- + Member Growth Rate: Top 1.4% in tier
- + Asset Growth Rate: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 1.06% above tier average
- - AMR Growth Rate: Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Loan-to-Share Ratio: Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Total Loans: Bottom 6.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (DE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,392
+28.1% YoY+1.1% QoQ
|
-3.8K |
15,145
-2.5% YoY
|
16,940
+7.4% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$145.5M
+17.4% YoY+2.3% QoQ
|
$-86.2M |
$231.7M
+0.8% YoY
|
$214.1M
+16.8% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$52.2M
-3.4% YoY-3.5% QoQ
|
$-92.0M |
$144.1M
+0.2% YoY
|
$130.7M
+18.0% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.7% in tier |
| Deposits |
$122.2M
+16.6% YoY+2.8% QoQ
|
$-78.9M |
$201.1M
+0.4% YoY
|
$190.3M
+16.8% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
1.1%
+18.9% YoY+21.4% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
1.6%
+9.6% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
3.8%
+1.1% YoY-0.8% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
3.5%
+6.1% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
77.4%
-1.9% YoY+6.8% QoQ
|
-0.6% |
78.0%
-1.7% YoY
|
78.7%
-23.9% YoY
|
84.6%
+2.8% YoY
|
45% |
| Delinquency Rate |
1.8%
-12.2% YoY+103.0% QoQ
|
+1.1 |
0.8%
+7.1% YoY
|
2.3%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
42.7%
-17.1% YoY-6.1% QoQ
|
-27.7% |
70.4%
-0.4% YoY
|
46.7%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.1% in tier |
| AMR |
$15,308
-14.3% YoY-0.3% QoQ
|
$-10K |
$24,918
+2.7% YoY
|
$14,274
+3.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 10.1% in tier |
| CD Concentration |
6.8%
-24.6% YoY-11.0% QoQ
|
-17.5% | 24.3% | 13.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)