BlastPoint's Credit Union Scorecard

ASPEN

Charter #17224 · SD

100M-500M

1070 CUs in 100M-500M nationally 9 in SD

ASPEN has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

SD Analysis

How does SD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.96% above tier average
+ Net Interest Margin 0.51% above tier average
+ Strong member growth: 10.1% YoY
+ Loan-to-Share Ratio: Top 2.5% in tier
+ Member Growth Rate: Top 4.5% in tier
+ Loan-to-Member Ratio (LMR): Top 5.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Wealth Migration Risk: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 8.4% in tier
- AMR Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	8,383 +10.1% YoY+7.3% QoQ	-6.8K	15,145 -2.5% YoY	10,664 +2.0% YoY	33,913 +5.7% YoY	21%
Assets	$167.2M +8.1% YoY+1.6% QoQ	$-64.6M	$231.7M +0.8% YoY	$187.1M +4.6% YoY	$578.3M +9.0% YoY	38%
Loans	$145.0M +9.6% YoY+2.2% QoQ	+$901K	$144.1M +0.2% YoY	$124.5M +2.5% YoY	$402.4M +8.7% YoY	60%
Deposits	$148.4M +4.8% YoY+1.9% QoQ	$-52.7M	$201.1M +0.4% YoY	$165.7M +4.9% YoY	$494.3M +9.1% YoY	40%

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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	1.7% +75.2% YoY+108.7% QoQ	+1.0%	0.7% +5.1% YoY	0.9% -399.1% YoY	0.4% -39.2% YoY	Top 7.7% in tier
NIM	4.1% +10.8% YoY+13.9% QoQ	+0.5%	3.6% +4.6% YoY	4.0% +2.7% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	64.0% -13.9% YoY-13.6% QoQ	-14.0%	78.0% -1.7% YoY	79.0% -5.2% YoY	84.6% +2.8% YoY	Top 13.5% in tier
Delinquency Rate	0.4% +59.9% YoY+29.8% QoQ	-0.3	0.8% +7.1% YoY	0.9% +21.4% YoY	1.2% +3.4% YoY	35%
Loan To Share	97.8% +4.6% YoY+0.2% QoQ	+27.3%	70.4% -0.4% YoY	70.0% -0.5% YoY	65.6% -1.4% YoY	Top 2.6% in tier
AMR	$35,004 -2.7% YoY-4.9% QoQ	+$10K	$24,918 +2.7% YoY	$21,889 +2.4% YoY	$19,920 +1.6% YoY	Top 10.3% in tier
CD Concentration	33.7% +18.9% YoY+5.1% QoQ	+9.5%	24.3%	28.7%	19.8%	50%
Indirect Auto %	15.9% -6.6% YoY-1.9% QoQ	+2.1%	13.8%	7.9%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#7 of 157 • 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: 1.69%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 10.11%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (6)

Liquidity Strain

risk

#27 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 97.75%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 9.60%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Credit Risk Growth

risk

#149 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 9.60%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Shrinking Wallet Share

decline

#120 of 238 • 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): -2.72%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Quality Pressure

risk

#384 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.17% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#410 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.14%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 15.89%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 10.11%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Wealth Migration Risk

decline

#17 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $35.0K

(Tier: $25.5K, National: $19.9K)

but better than tier avg

AMR Growth (YoY): -2.72%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally

→ No prior data (20 CUs now) | 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 1070 peers in tier

Top Strengths (10 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.75%

Peer Median: 71.88%

#28 of 1070 Top 2.5% in 100M-500M tier

Member Growth Rate

growth

Value: 10.11%

Peer Median: -0.06%

#49 of 1070 Top 4.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,303

Peer Median: $9,356

#64 of 1070 Top 5.9% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: 0.69%

#82 of 1070 Top 7.6% in 100M-500M tier

110

Average Member Relationship (AMR)

engagement

Value: $35,004

Peer Median: $22,931

#110 of 1070 Top 10.2% in 100M-500M tier

114

Fee Income Per Member

profitability

Value: $249.56

Peer Median: $154.95

#114 of 1070 Top 10.6% in 100M-500M tier

145

Efficiency Ratio

profitability

Value: 64.04%

Peer Median: 78.68%

#145 of 1070 Top 13.5% in 100M-500M tier

180

Asset Growth Rate

growth

Value: 8.14%

Peer Median: 3.91%

#180 of 1070 Top 16.7% in 100M-500M tier

198

Loan Growth Rate

growth

Value: 9.60%

Peer Median: 2.93%

#198 of 1070 Top 18.4% in 100M-500M tier

208

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Median: 3.62%

#208 of 1070 Top 19.3% in 100M-500M tier

Top Weaknesses (5 metrics)

981

Net Worth Ratio

risk

Value: 8.55%

Peer Median: 11.45%

#981 of 1070 Bottom 8.4% in 100M-500M tier

971

AMR Growth Rate

growth

Value: -2.72%

Peer Median: 3.46%

#971 of 1070 Bottom 9.3% in 100M-500M tier

877

Share Certificate Concentration (%)

balance_sheet

Value: 33.75%

Peer Median: 23.10%

#877 of 1070 Bottom 18.1% in 100M-500M tier

847

Total Members

engagement

Value: 8,383

Peer Median: 13,200

#847 of 1070 Bottom 20.9% in 100M-500M tier

846

Members Per Employee (MPE)

engagement

Value: 254.030

Peer Median: 309.176

#846 of 1070 Bottom 21.0% in 100M-500M tier