BlastPoint's Credit Union Scorecard

UP

Charter #24422 · AR

2556 CUs in <100M nationally 43 in AR

UP has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

AR Analysis

How does AR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 2.25% above tier average
+ Fee Income Per Member: Top 1.2% in tier
+ Efficiency Ratio: Top 7.9% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.5% YoY
- Indirect Auto Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AR)	National Avg	Tier Percentile
Members	2,790 -3.5% YoY-2.1% QoQ	+174	2,615 -1.9% YoY	7,878 +8.0% YoY	33,374 +5.7% YoY	64%
Assets	$32.9M +1.0% YoY+0.1% QoQ	+$2.8M	$30.1M +2.1% YoY	$108.7M +13.0% YoY	$561.6M +9.7% YoY	62%
Loans	$14.8M -7.4% YoY-1.8% QoQ	$-1.0M	$15.8M -1.3% YoY	$78.6M +14.7% YoY	$397.0M +8.8% YoY	61%
Deposits	$25.4M -1.2% YoY-0.1% QoQ	$-266K	$25.7M +1.4% YoY	$88.8M +14.2% YoY	$477.3M +9.7% YoY	59%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	2.9% +22.9% YoY-22.3% QoQ	+2.3%	0.6% +10.8% YoY	-0.1% -109.5% YoY	0.7% +15.9% YoY	Top 1.8% in tier
NIM	3.8% +6.5% YoY-1.7% QoQ	-0.2%	4.0% +4.0% YoY	4.2% +0.9% YoY	3.8% +5.1% YoY	45%
Efficiency Ratio	56.2% -6.1% YoY+15.4% QoQ	-26.4%	82.6% -2.3% YoY	86.1% +2.0% YoY	79.7% -3.3% YoY	Bottom 7.9% in tier
Delinquency Rate	0.6% +45.8% YoY-11.8% QoQ	-1.0	1.6% -3.1% YoY	1.8% +15.7% YoY	1.3% -2.1% YoY	44%
Loan To Share	58.0% -6.3% YoY-1.7% QoQ	-2.6%	60.6% -3.1% YoY	73.6% -2.9% YoY	67.4% -1.7% YoY	46%
AMR	$14,400 -0.1% YoY+1.4% QoQ	$-382	$14,783 -1.4% YoY	$12,676 +2.7% YoY	$19,687 +2.0% YoY	53%
CD Concentration	34.1% +4.5% YoY-2.3% QoQ	+9.6%	24.4%	15.6%	19.8%	50%
Indirect Auto %	18.9% -35.8% YoY-15.9% QoQ	+5.1%	13.8%	2.5%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $364.94

Peer Median: -

#31 of 2556 Top 1.2% in <100M tier

Return on Assets (ROA)

profitability

Value: 2.87%

Peer Median: -

#45 of 2556 Top 1.7% in <100M tier

204

Efficiency Ratio

profitability

Value: 56.20%

Peer Median: -

#204 of 2556 Top 7.9% in <100M tier

440

Net Worth Ratio

risk

Value: 21.79%

Peer Median: -

#440 of 2556 Top 17.2% in <100M tier

Top Weaknesses (2 metrics)

2404

Indirect Auto Concentration (%)

balance_sheet

Value: 18.86%

Peer Median: -

#2404 of 2556 Bottom 6.0% in <100M tier

2234

Share Certificate Concentration (%)

balance_sheet

Value: 34.07%

Peer Median: -

#2234 of 2556 Bottom 12.6% in <100M tier