BlastPoint's Credit Union Scorecard

SCIENT

Charter #24029 · CT

1077 CUs in 100M-500M nationally 16 in CT

SCIENT has 4 strengths but faces 9 concerns

National Analysis

How does the industry compare?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 28.6% in tier
+ Loan-to-Share Ratio: Top 1.1% in tier
+ Total Delinquency Rate (60+ days): Top 8.1% in tier
+ Total Loans: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.6% in tier
- Liquidity Strain: Bottom 10.3% in tier
- Shrinking Wallet Share: Bottom 19.8% in tier
- Indirect Auto Dependency: Bottom 20.6% in tier
- Deposit Outflow: Bottom 87.5% in tier
- ROA 0.91% below tier average
- Efficiency ratio 23.35% above tier (higher cost structure)
- Asset Growth Rate: Bottom 1.5% in tier
- Indirect Auto Concentration (%): Bottom 4.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	19,234 +1.0% YoY+1.2% QoQ	+3.6K	15,628 -3.4% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	73%
Assets	$325.1M -7.2% YoY+0.1% QoQ	+$93.8M	$231.3M -0.0% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	77%
Loans	$283.7M +0.1% YoY+0.8% QoQ	+$135.9M	$147.8M -1.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	Top 8.4% in tier
Deposits	$261.6M -0.5% YoY-1.8% QoQ	+$61.3M	$200.3M -0.0% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	74%

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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	-0.1% -163.6% YoY-128.6% QoQ	-0.9%	0.8% +15.5% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	Bottom 5.7% in tier
NIM	3.0% +33.3% YoY+4.9% QoQ	-0.6%	3.6% +6.9% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	100.6% +9.9% YoY+23.3% QoQ	+23.3%	77.3% -3.0% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	Top 2.0% in tier
Delinquency Rate	0.2% -7.5% YoY-34.2% QoQ	-0.7	0.9% +7.6% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	Bottom 8.1% in tier
Loan To Share	108.4% +0.6% YoY+2.6% QoQ	+35.7%	72.7% -1.5% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	Top 1.2% in tier
AMR	$28,353 -1.2% YoY-1.7% QoQ	+$4K	$24,363 +2.9% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	78%
CD Concentration	28.6% +4.3% YoY+7.4% QoQ	+4.2%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	47.8% +2.4% YoY-1.5% QoQ	+33.8%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#98 of 340 • Top 28.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.16%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (5)

Efficiency Drag

risk

#64 of 521 • Bottom 3.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 100.63%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.31% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk

#81 of 258 • Bottom 10.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 108.44%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.07%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#198 of 244 • Bottom 19.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.23%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#332 of 525 • Bottom 20.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -7.18%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 47.82%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Deposit Outflow

decline

#71 of 81 • Bottom 87.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -0.53%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.02%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | 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 1077 peers in tier

Top Strengths (6 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 108.44%

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Avg: -

#88 of 1077 Top 8.1% in 100M-500M tier

Total Loans

balance_sheet

Value: $283.71M

Peer Avg: -

#91 of 1077 Top 8.4% in 100M-500M tier

124

Loan-to-Member Ratio (LMR)

engagement

Value: $14,751

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

237

Average Member Relationship (AMR)

engagement

Value: $28,353

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

246

Total Assets

balance_sheet

Value: $325.12M

Peer Avg: -

#246 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1062

Asset Growth Rate

growth

Value: -7.18%

Peer Avg: -

#1062 of 1077 Bottom 1.5% in 100M-500M tier

1056

Efficiency Ratio

profitability

Value: 100.63%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1032

Indirect Auto Concentration (%)

balance_sheet

Value: 47.82%

Peer Avg: -

#1032 of 1077 Bottom 4.3% in 100M-500M tier

1016

Return on Assets (ROA)

profitability

Value: -0.12%

Peer Avg: -

#1016 of 1077 Bottom 5.8% in 100M-500M tier

957

Fee Income Per Member

profitability

Value: $89.06

Peer Avg: -

#957 of 1077 Bottom 11.2% in 100M-500M tier

916

AMR Growth Rate

growth

Value: -1.23%

Peer Avg: -

#916 of 1077 Bottom 15.0% in 100M-500M tier

912

Deposit Growth Rate

growth

Value: -0.53%

Peer Avg: -

#912 of 1077 Bottom 15.4% in 100M-500M tier

871

Net Interest Margin (NIM)

profitability

Value: 2.98%

Peer Avg: -

#871 of 1077 Bottom 19.2% in 100M-500M tier

847

Net Worth Ratio

risk

Value: 9.57%

Peer Avg: -

#847 of 1077 Bottom 21.4% in 100M-500M tier