BlastPoint's Credit Union Scorecard
EASTRISE
Charter #19263 · VT
EASTRISE has 3 strengths but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 35.0% in tier
- + Organic Growth Engine: Top 35.0% in tier
- + Net Charge-Off Rate: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.3% in tier
- - Efficiency Drag: Bottom 17.8% in tier
- - Credit Quality Pressure: Bottom 34.2% in tier
- - Credit Risk Growth: Bottom 51.8% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 11.26% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.4% in tier
- - Total Deposits: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176,876
+3.4% YoY+0.7% QoQ
|
-43.6K |
220,435
-7.6% YoY
|
34,947
+27.0% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$3.2B
+3.3% YoY+0.1% QoQ
|
$-743.7M |
$3.9B
-1.5% YoY
|
$561.0M
+28.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 12.8% in tier |
| Loans |
$2.6B
+5.4% YoY+0.3% QoQ
|
$-305.5M |
$2.9B
-1.1% YoY
|
$444.4M
+31.6% YoY
|
$402.4M
+8.7% YoY
|
26% |
| Deposits |
$2.6B
+4.0% YoY+1.5% QoQ
|
$-689.4M |
$3.3B
-2.5% YoY
|
$477.2M
+28.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.4% in tier |
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| ROA |
0.4%
+54.1% YoY-30.0% QoQ
|
-0.3% |
0.7%
+10.6% YoY
|
-0.0%
-100.2% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.2%
+7.2% YoY+2.4% QoQ
|
+0.0% |
3.2%
+4.6% YoY
|
4.2%
+0.1% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
82.5%
-5.0% YoY+5.3% QoQ
|
+11.3% |
71.3%
-2.6% YoY
|
97.1%
+12.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
0.5%
+23.8% YoY-22.2% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
1.6%
+62.8% YoY
|
1.2%
+3.4% YoY
|
45% |
| Loan To Share |
99.2%
+1.4% YoY-1.2% QoQ
|
+11.2% |
88.0%
+0.9% YoY
|
82.0%
-1.5% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$29,377
+1.2% YoY+0.2% QoQ
|
$-1K |
$30,672
+5.5% YoY
|
$18,239
-7.1% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
20.9%
+0.2% YoY-3.1% QoQ
|
-7.9% | 28.8% | 21.8% | 19.8% | 17% |
| Indirect Auto % |
6.1%
+29.9% YoY+4.2% QoQ
|
-12.0% | 18.1% | 5.5% | 7.7% | 28% |
Signature Analysis
Strengths (2)
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.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)