BlastPoint's Credit Union Scorecard

EASTRISE

Charter #19263 · VT

Mid-Market 3B-5B

EastRise at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

EastRise is one of 101 credit unions in the 2026 VentureTech card set. We also found EastRise's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

EastRise

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EASTRISE
PEER · AT VENTURETECH
PEER · AT VENTURETECH
EASTRISE'S BIGGEST OPPORTUNITY

77 CUs in 3B-5B nationally 1 in VT

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EASTRISE has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VT Analysis

How does VT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#43 of 113 • Top 36.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.37%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Return on Assets: 1.15%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 6.48%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | Rank improving

Organic Growth Leader

growth

#64 of 112 • Top 36.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.37%

(Tier: 3.16%, National: 15.67%)

better than tier avg

Indirect Auto %: 6.48%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | Rank improving

Concerns (3)

Liquidity Strain

risk

#74 of 168 • Bottom 18.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.30%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 5.96%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk

#149 of 170 • Bottom 48.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.96%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#203 of 215 • Bottom 54.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

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 77 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.47%

#5 of 77 Top 5.2% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.81%

Peer Median: 32.00%

#11 of 77 Top 13.0% in 3B-5B tier

Net Worth Ratio

risk

Value: 12.32%

Peer Median: 10.81%

#16 of 77 Top 19.5% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 6.48%

Peer Median: 18.00%

#17 of 77 Top 20.8% in 3B-5B tier

Top Weaknesses (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 63.31%

Peer Median: 32.92%

#72 of 77 Bottom 7.8% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.65B

Peer Median: $3.34B

#68 of 77 Bottom 13.0% in 3B-5B tier

Total Assets

balance_sheet

Value: $3.23B

Peer Median: $3.97B

#64 of 77 Bottom 18.2% in 3B-5B tier