BlastPoint's Credit Union Scorecard
EASTRISE
Charter #19263 · VT
EASTRISE has 4 strengths but faces 7 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 Leader: Top 52.5% in tier
- + Organic Growth Engine: Top 55.7% in tier
- + Net Interest Margin 0.02% above tier average
- + Net Charge-Off Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 36.4% in tier
- - Credit Quality Pressure: Bottom 83.3% in tier
- - Credit Risk Growth: Bottom 89.6% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 6.97% above tier (higher cost structure)
- - Total Deposits: Bottom 5.3% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
175,682
+3.1% YoY+0.8% QoQ
|
-54.7K |
230,353
-2.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$3.2B
+4.2% YoY+1.7% QoQ
|
$-773.2M |
$3.9B
+0.3% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.5% in tier |
| Loans |
$2.6B
+4.7% YoY+2.0% QoQ
|
$-356.4M |
$2.9B
-0.2% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$2.6B
+4.6% YoY+2.1% QoQ
|
$-741.3M |
$3.3B
-0.3% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.9% in tier |
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| ROA |
0.6%
-7.8% YoY-5.9% QoQ
|
-0.1% |
0.7%
+16.8% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.2%
+4.1% YoY+2.2% QoQ
|
+0.0% |
3.1%
+9.8% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
78.4%
+0.6% YoY+1.2% QoQ
|
+7.0% |
71.4%
-1.4% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
0.6%
+8.4% YoY-7.4% QoQ
|
-0.2 |
0.9%
+5.8% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
100.4%
+0.0% YoY-0.2% QoQ
|
+11.4% |
88.9%
-0.2% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$29,304
+1.5% YoY+1.2% QoQ
|
$-378 |
$29,682
+1.5% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
21.6%
+3.2% YoY-0.6% QoQ
|
-7.5% | 29.0% | 23.0% | 19.8% | 18% |
| Indirect Auto % |
5.9%
+34.6% YoY+4.3% QoQ
|
-12.4% | 18.3% | 5.2% | 7.8% | 27% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
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)