BlastPoint's Credit Union Scorecard

ASPEN

Charter #17224 · SD

1077 CUs in 100M-500M nationally 10 in SD

ASPEN has 14 strengths but faces 5 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

+ Organic Growth Leader: Top 6.1% in tier
+ Organic Growth Engine: Top 9.9% in tier
+ Relationship Depth Leader: Top 44.5% in tier
+ Emerging Performer: Top 45.3% in tier
+ Credit Quality Leader: Top 60.5% in tier
+ Wallet Share Momentum: Top 85.6% in tier
+ ROA 0.10% above tier average
+ Net Interest Margin 0.11% above tier average
+ Loan-to-Share Ratio: Top 4.7% in tier
+ Loan-to-Member Ratio (LMR): Top 5.1% in tier
+ Average Member Relationship (AMR): Top 7.3% in tier
+ Asset Growth Rate: Top 8.3% in tier
+ Member Growth Rate: Top 9.3% in tier
+ Loan Growth Rate: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.7% in tier
- Credit Risk Growth: Bottom 19.2% in tier
- Indirect Auto Dependency: Bottom 22.7% in tier
- Credit Quality Pressure: Bottom 29.6% in tier
- Net Worth Ratio: Bottom 6.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	7,795 +5.0% YoY+1.1% QoQ	-7.8K	15,628 -3.4% YoY	10,608 +2.1% YoY	33,089 +6.1% YoY	Bottom 14.4% in tier
Assets	$160.4M +11.1% YoY+2.1% QoQ	$-70.9M	$231.3M -0.0% YoY	$179.2M +3.1% YoY	$547.7M +7.8% YoY	35%
Loans	$141.6M +12.3% YoY+2.7% QoQ	$-6.2M	$147.8M -1.4% YoY	$123.6M +0.8% YoY	$388.7M +8.6% YoY	57%
Deposits	$144.7M +9.5% YoY+0.7% QoQ	$-55.6M	$200.3M -0.0% YoY	$158.4M +5.8% YoY	$464.6M +9.3% YoY	38%

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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	0.9% -5.6% YoY-13.6% QoQ	+0.1%	0.8% +15.5% YoY	1.2% +16.1% YoY	0.7% +273.4% YoY	58%
NIM	3.7% +2.8% YoY-4.5% QoQ	+0.1%	3.6% +6.9% YoY	4.1% +10.1% YoY	3.7% +5.0% YoY	56%
Efficiency Ratio	73.7% -4.4% YoY+1.6% QoQ	-3.6%	77.3% -3.0% YoY	76.3% -2.5% YoY	79.1% -3.3% YoY	36%
Delinquency Rate	0.3% +0.8% YoY-53.6% QoQ	-0.6	0.9% +7.6% YoY	0.8% -9.0% YoY	1.2% -0.9% YoY	16%
Loan To Share	97.8% +2.5% YoY+2.0% QoQ	+25.1%	72.7% -1.5% YoY	74.1% -0.2% YoY	68.0% -1.7% YoY	Top 4.8% in tier
AMR	$36,726 +5.6% YoY+0.5% QoQ	+$12K	$24,363 +2.9% YoY	$21,356 +3.4% YoY	$19,418 +1.3% YoY	Top 7.4% in tier
CD Concentration	29.8% +21.9% YoY-4.0% QoQ	+5.3%	24.4% +4.2% YoY	28.6% +2.7% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	16.2% -23.3% YoY-3.5% QoQ	+2.2%	14.0% -5.7% YoY	7.9% +0.1% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Leader

growth

#81 of 430 • Top 6.1% in tier

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

Why This Signature

Member Growth (YoY): 4.95%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 16.20%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#182 of 603 • Top 9.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.95%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.89%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 16.20%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

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

Relationship Depth Leader

growth

#115 of 257 • Top 44.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.63%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Emerging Performer

growth

#87 of 191 • Top 45.3% 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: 0.89%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 4.95%

(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 improving

Credit Quality Leader

growth

#206 of 340 • Top 60.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.27%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Wallet Share Momentum

growth

#412 of 481 • Top 85.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.63%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#37 of 258 • Bottom 4.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 97.84%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 12.26%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#289 of 446 • Bottom 19.2% in tier

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

Why This Signature

Loan Growth (YoY): 12.26%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#365 of 525 • Bottom 22.7% in tier

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

Why This Signature

Asset Growth (YoY): 11.07%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 16.20%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 4.95%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#732 of 736 • Bottom 29.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

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

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

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 (9 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.84%

Peer Avg: -

#52 of 1077 Top 4.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,163

Peer Avg: -

#56 of 1077 Top 5.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,726

Peer Avg: -

#80 of 1077 Top 7.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.07%

Peer Avg: -

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

101

Member Growth Rate

growth

Value: 4.95%

Peer Avg: -

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

108

Loan Growth Rate

growth

Value: 12.26%

Peer Avg: -

#108 of 1077 Top 9.9% in 100M-500M tier

130

Fee Income Per Member

profitability

Value: $253.97

Peer Avg: -

#130 of 1077 Top 12.0% in 100M-500M tier

139

Deposit Growth Rate

growth

Value: 9.53%

Peer Avg: -

#139 of 1077 Top 12.8% in 100M-500M tier

173

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Avg: -

#173 of 1077 Top 16.0% in 100M-500M tier

Top Weaknesses (2 metrics)

1010

Net Worth Ratio

risk

Value: 8.32%

Peer Avg: -

#1010 of 1077 Bottom 6.3% in 100M-500M tier

922

Total Members

engagement

Value: 7,795

Peer Avg: -

#922 of 1077 Bottom 14.5% in 100M-500M tier