BlastPoint's Credit Union Scorecard

CYPRUS

Charter #24688 · UT

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 5 in UT

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CYPRUS has 6 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 16.3% in tier
+ Credit Quality Leader: Top 57.5% in tier
+ ROA 0.01% above tier average
+ Net Interest Margin 0.43% above tier average
+ Strong member growth: 5.4% YoY
+ Loan-to-Share Ratio: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.2% in tier
- Indirect Auto Dependency: Bottom 19.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	147,499 +5.4% YoY+1.6% QoQ	+48.8K	98,678 -1.9% YoY	76,315 +6.4% YoY	33,089 +6.1% YoY	Top 13.8% in tier
Assets	$1.9B +4.7% YoY+1.1% QoQ	+$183.1M	$1.7B +0.5% YoY	$1.2B +10.2% YoY	$547.7M +7.8% YoY	66%
Loans	$1.7B +7.1% YoY+2.2% QoQ	+$503.4M	$1.2B +0.5% YoY	$924.9M +10.2% YoY	$388.7M +8.6% YoY	83%
Deposits	$1.6B +8.7% YoY+0.8% QoQ	+$182.8M	$1.5B +1.3% YoY	$1.1B +10.6% YoY	$464.6M +9.3% YoY	66%

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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	0.7% -6.3% YoY+22.6% QoQ	+0.0%	0.7% +13.4% YoY	0.9% +11.6% YoY	0.7% +273.4% YoY	56%
NIM	3.7% +7.7% YoY+2.0% QoQ	+0.4%	3.3% +9.3% YoY	3.4% +7.0% YoY	3.7% +5.0% YoY	78%
Efficiency Ratio	71.2% -6.9% YoY-2.2% QoQ	-2.8%	74.0% -10.9% YoY	71.6% -3.7% YoY	79.1% -3.3% YoY	34%
Delinquency Rate	0.3% -24.1% YoY+20.9% QoQ	-0.5	0.8% +6.1% YoY	0.7% +11.8% YoY	1.2% -0.9% YoY	Bottom 13.8% in tier
Loan To Share	106.1% -1.5% YoY+1.4% QoQ	+20.9%	85.2% -0.8% YoY	78.2% -2.6% YoY	68.0% -1.7% YoY	Top 4.3% in tier
AMR	$22,872 +2.3% YoY-0.1% QoQ	$-6K	$29,172 +2.8% YoY	$21,167 +3.5% YoY	$19,418 +1.3% YoY	20%
CD Concentration	34.7% +2.0% YoY+1.4% QoQ	+5.7%	29.0% +0.7% YoY	27.9% +4.6% YoY	19.6% +6.2% YoY	75%
Indirect Auto %	29.6% -4.1% YoY+1.3% QoQ	+10.8%	18.8% -3.0% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	74%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#119 of 246 • Top 16.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.43%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.71%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 29.60%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY

Credit Quality Leader

growth

#55 of 95 • Top 57.5% in tier

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

Why This Signature

Delinquency Rate: 0.31%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.10% points

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

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#18 of 183 • Bottom 3.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 106.07%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 7.13%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY

Indirect Auto Dependency

risk

#119 of 202 • Bottom 19.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.71%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 29.60%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 5.43%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 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 304 peers in tier

Top Strengths (8 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 106.07%

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.08%

Peer Avg: -

#40 of 304 Top 12.8% in 1B-3B tier

Total Members

engagement

Value: 147,499

Peer Avg: -

#42 of 304 Top 13.5% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Avg: -

#43 of 304 Top 13.8% in 1B-3B tier

Member Growth Rate

growth

Value: 5.43%

Peer Avg: -

#49 of 304 Top 15.8% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.74B

Peer Avg: -

#51 of 304 Top 16.4% in 1B-3B tier

Deposit Growth Rate

growth

Value: 8.71%

Peer Avg: -

#62 of 304 Top 20.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.70%

Peer Avg: -

#66 of 304 Top 21.4% in 1B-3B tier

Top Weaknesses (3 metrics)

242

Average Member Relationship (AMR)

engagement

Value: $22,872

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier

232

Share Certificate Concentration (%)

balance_sheet

Value: 34.66%

Peer Avg: -

#232 of 304 Bottom 24.0% in 1B-3B tier

229

Indirect Auto Concentration (%)

balance_sheet

Value: 29.60%

Peer Avg: -

#229 of 304 Bottom 25.0% in 1B-3B tier