BlastPoint's Credit Union Scorecard
ASPEN
Charter #17224 · SD
ASPEN has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.33% above tier average
- + Strong member growth: 9.6% YoY
- + Loan-to-Share Ratio: Top 3.1% in tier
- + Member Growth Rate: Top 3.5% in tier
- + Fee Income Per Member: Top 5.4% in tier
- + Loan-to-Member Ratio (LMR): Top 5.8% in tier
- + Asset Growth Rate: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Net Worth Ratio: Bottom 5.8% 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 9 that size in South Dakota.
- Shares and deposits +6.2% year over year ($153M in shares and deposits).
- Membership: 8,449 members, +9.6% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 1.19%.
- Efficiency ratio 71.14% vs a 76.73% peer average.
- Loan-to-share ratio 98.43% 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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,449
+9.6% YoY+0.8% QoQ
|
-6.7K |
15,168
-2.6% YoY
|
10,596
+0.4% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$173.0M
+10.1% YoY+3.5% QoQ
|
$-59.0M |
$232.0M
+0.7% YoY
|
$187.3M
+5.8% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$150.3M
+9.0% YoY+3.6% QoQ
|
+$4.0M |
$146.3M
+0.2% YoY
|
$126.7M
+3.4% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$152.7M
+6.2% YoY+2.9% QoQ
|
$-48.0M |
$200.7M
+0.2% YoY
|
$165.1M
+5.0% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
1.2%
+15.4% YoY-29.4% QoQ
|
+0.3% |
0.9%
+12.5% YoY
|
1.2%
+16.4% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
3.7%
-4.1% YoY-10.4% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
4.3%
+7.8% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
71.1%
-2.0% YoY+11.1% QoQ
|
-5.6% |
76.7%
-0.8% YoY
|
77.2%
-0.2% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
0.4%
-25.2% YoY-2.6% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.0%
+21.8% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
98.4%
+2.6% YoY+0.7% QoQ
|
+26.9% |
71.5%
-0.3% YoY
|
72.5%
-0.5% YoY
|
66.4%
-1.4% YoY
|
Top 3.2% in tier |
| AMR |
$35,857
-1.9% YoY+2.4% QoQ
|
+$11K |
$25,107
+3.2% YoY
|
$22,000
+3.5% YoY
|
$20,028
-0.9% YoY
|
Top 9.7% in tier |
| CD Concentration |
35.0%
+12.9% YoY+3.7% QoQ
|
+10.4% | 24.6% | 29.4% | 20.0% | 50% |
| Indirect Auto % |
15.7%
-6.2% YoY-1.0% QoQ
|
+2.1% | 13.6% | 8.1% | 7.7% | 50% |
Signature Analysis
Strengths (1)
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 (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)