BlastPoint's Credit Union Scorecard

ASPEN

Charter #17224 · SD

100M-500M

1069 CUs in 100M-500M nationally 9 in SD

ASPEN has 7 strengths but faces 6 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 4.2% in tier
+ Loan-to-Member Ratio (LMR): Top 5.2% in tier
+ Asset Growth Rate: Top 5.7% in tier
+ Average Member Relationship (AMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Net Worth Ratio: Bottom 5.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Members	7,810 +4.4% YoY+0.2% QoQ	-7.6K	15,437 -2.9% YoY	10,625 +2.1% YoY	33,374 +5.7% YoY	15%
Assets	$164.5M +13.1% YoY+2.5% QoQ	$-67.4M	$231.9M +1.3% YoY	$182.5M +3.9% YoY	$561.6M +9.7% YoY	37%
Loans	$141.9M +11.7% YoY+0.2% QoQ	$-5.4M	$147.3M -0.1% YoY	$124.3M +2.3% YoY	$397.0M +8.8% YoY	58%
Deposits	$145.6M +9.6% YoY+0.6% QoQ	$-55.2M	$200.8M +0.8% YoY	$161.4M +6.0% YoY	$477.3M +9.7% 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	0.8% -12.0% YoY-9.3% QoQ	+0.0%	0.8% +18.2% YoY	1.1% +33.3% YoY	0.7% +15.9% YoY	55%
NIM	3.6% -0.2% YoY-1.6% QoQ	+0.0%	3.6% +6.7% YoY	4.0% +8.8% YoY	3.8% +5.1% YoY	51%
Efficiency Ratio	74.2% -3.6% YoY+0.6% QoQ	-2.9%	77.0% -3.1% YoY	76.6% -2.2% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	0.3% +39.1% YoY+27.6% QoQ	-0.6	0.9% +4.2% YoY	0.8% -2.2% YoY	1.3% -2.1% YoY	19%
Loan To Share	97.5% +1.9% YoY-0.3% QoQ	+25.3%	72.2% -1.1% YoY	72.1% -0.2% YoY	67.4% -1.7% YoY	Top 4.3% in tier
AMR	$36,811 +6.0% YoY+0.2% QoQ	+$12K	$24,676 +3.4% YoY	$21,631 +3.0% YoY	$19,687 +2.0% YoY	Top 7.8% in tier
CD Concentration	32.1% +20.0% YoY+7.9% QoQ	+7.7%	24.4%	29.0%	19.8%	50%
Indirect Auto %	16.2% -21.7% YoY-0.0% QoQ	+2.4%	13.8%	8.0%	7.8%	50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#113 of 268 • Top 50.0% 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): 5.98%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Emerging Performer

growth

#92 of 182 • 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: 0.81%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 4.37%

(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

Wallet Share Momentum

growth

#423 of 513 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 5.98%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Liquidity Strain

risk

#32 of 228 • 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: 97.51%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 11.69%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#179 of 456 • 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): 11.69%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

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

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#342 of 506 • 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): 13.07%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 16.20%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.37%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#525 of 705 • 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): 0.10% 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 | Rank improving

Margin Compression

decline

#120 of 123 • Bottom 50.0% 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: 0.81%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 0.92%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.11% 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

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 (9 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 97.51%

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,173

Peer Median: -

#57 of 1069 Top 5.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.07%

Peer Median: -

#62 of 1069 Top 5.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $36,811

Peer Median: -

#83 of 1069 Top 7.7% in 100M-500M tier

126

Member Growth Rate

growth

Value: 4.37%

Peer Median: -

#126 of 1069 Top 11.7% in 100M-500M tier

128

Loan Growth Rate

growth

Value: 11.69%

Peer Median: -

#128 of 1069 Top 11.9% in 100M-500M tier

134

Fee Income Per Member

profitability

Value: $254.50

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

145

Deposit Growth Rate

growth

Value: 9.58%

Peer Median: -

#145 of 1069 Top 13.5% in 100M-500M tier

205

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: -

#205 of 1069 Top 19.1% in 100M-500M tier

Top Weaknesses (3 metrics)

1011

Net Worth Ratio

risk

Value: 8.26%

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

905

Total Members

engagement

Value: 7,810

Peer Median: -

#905 of 1069 Bottom 15.4% in 100M-500M tier

832

Share Certificate Concentration (%)

balance_sheet

Value: 32.12%

Peer Median: -

#832 of 1069 Bottom 22.3% in 100M-500M tier