BlastPoint's Credit Union Scorecard
EASTRISE
Charter #19263 · VT
EASTRISE has 4 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does VT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 36.8% in tier
- + Organic Growth Leader: Top 36.8% in tier
- + ROA 0.22% above tier average
- + Net Charge-Off Rate: Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.7% in tier
- - Credit Risk Growth: Bottom 48.9% in tier
- - Credit Quality Pressure: Bottom 54.6% in tier
- - First Mortgage Concentration (%): Bottom 7.8% 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 77 credit unions with $3B-$5B in assets nationally, and 1 of 1 that size in Vermont.
- Shares and deposits +5.2% year over year ($2.65B in shares and deposits).
- Membership: 178,251 members, +3.4% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 1.15%.
- Efficiency ratio 69.16% vs a 69.45% peer average.
- Loan-to-share ratio 99.30% vs a 90.24% 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 (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
178,251
+3.4% YoY+0.8% QoQ
|
-38.3K |
216,545
-9.5% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$3.2B
+4.4% YoY+1.9% QoQ
|
$-669.5M |
$3.9B
-1.6% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.6B
+6.0% YoY+1.7% QoQ
|
$-299.6M |
$2.9B
-1.2% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
29% |
| Deposits |
$2.7B
+5.2% YoY+1.6% QoQ
|
$-607.1M |
$3.3B
-2.6% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 11.7% in tier |
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| ROA |
1.2%
+84.4% YoY+156.7% QoQ
|
+0.2% |
0.9%
+25.3% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.3%
+6.9% YoY+1.4% QoQ
|
+0.0% |
3.2%
+3.8% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
69.2%
-12.5% YoY-16.2% QoQ
|
-0.3% |
69.5%
-2.3% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
0.6%
+3.8% YoY+23.0% QoQ
|
-0.2 |
0.8%
+5.5% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
99.3%
+0.7% YoY+0.1% QoQ
|
+9.1% |
90.2%
+0.9% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
70% |
| AMR |
$29,630
+2.1% YoY+0.9% QoQ
|
$-1K |
$31,018
+6.9% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
53% |
| CD Concentration |
21.8%
+5.1% YoY+4.3% QoQ
|
-7.3% | 29.1% | 23.4% | 20.0% | 21% |
| Indirect Auto % |
6.5%
+23.7% YoY+6.1% QoQ
|
-11.6% | 18.1% | 5.8% | 7.7% | 28% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)