BlastPoint's Credit Union Scorecard

CYPRUS

Charter #24688 · UT

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

CYPRUS has 5 strengths but faces 8 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

+ Net Interest Margin 0.52% above tier average
+ Strong member growth: 13.6% YoY
+ Member Growth Rate: Top 3.9% in tier
+ Loan-to-Share Ratio: Top 5.2% in tier
+ Total Members: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 6.3% in tier
- Indirect Auto Dependency: Bottom 11.6% in tier
- Credit Risk Growth: Bottom 13.9% in tier
- Efficiency Drag: Bottom 18.8% in tier
- Credit Quality Pressure: Bottom 29.2% in tier
- Shrinking Wallet Share: Bottom 82.6% in tier
- ROA 0.51% below tier average
- Efficiency ratio 7.60% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	162,120 +13.6% YoY+9.2% QoQ	+66.1K	96,048 -2.7% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	Top 8.5% in tier
Assets	$2.1B +11.8% YoY+7.4% QoQ	+$348.1M	$1.7B +0.4% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	71%
Loans	$1.9B +12.5% YoY+6.2% QoQ	+$639.6M	$1.2B +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	Top 12.4% in tier
Deposits	$1.8B +12.3% YoY+8.2% QoQ	+$330.4M	$1.5B +0.5% YoY	$1.1B +11.5% YoY	$494.3M +9.1% 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	0.2% -55.6% YoY-75.0% QoQ	-0.5%	0.7% +27.6% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	Bottom 10.1% in tier
NIM	3.9% +8.9% YoY+3.5% QoQ	+0.5%	3.4% +6.2% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	82.2% +8.1% YoY+17.3% QoQ	+7.6%	74.6% -3.0% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.4% +37.4% YoY-7.4% QoQ	-0.3	0.8% +6.9% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	29%
Loan To Share	103.2% +0.2% YoY-1.9% QoQ	+20.0%	83.2% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	Top 5.6% in tier
AMR	$22,509 -1.1% YoY-1.9% QoQ	$-7K	$29,652 +2.3% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	16%
CD Concentration	34.2% -0.6% YoY-0.2% QoQ	+5.3%	28.8%	28.4%	19.8%	74%
Indirect Auto %	28.6% -3.1% YoY-3.4% QoQ	+10.5%	18.1%	7.1%	7.7%	75%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Strain

risk

#8 of 148 • Bottom 6.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 103.19%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 12.46%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Credit Risk Growth

risk

#42 of 183 • Bottom 13.9% in tier

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

Why This Signature

Loan Growth (YoY): 12.46%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#68 of 198 • Bottom 11.6% in tier

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

Why This Signature

Asset Growth (YoY): 11.84%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.61%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 13.59%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#111 of 225 • Bottom 29.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#67 of 82 • Bottom 82.6% in tier

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

Why This Signature

AMR Growth (YoY): -1.08%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY | New qualifier

Efficiency Drag

risk

#92 of 100 • Bottom 18.8% in tier

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

Why This Signature

Efficiency Ratio: 82.23%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 13.59%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 13.59%

Peer Median: 2.03%

#13 of 306 Top 3.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 103.19%

Peer Median: 85.31%

#17 of 306 Top 5.2% in 1B-3B tier

Total Members

engagement

Value: 162,120

Peer Median: 85,918

#26 of 306 Top 8.2% in 1B-3B tier

Asset Growth Rate

growth

Value: 11.84%

Peer Median: 4.82%

#33 of 306 Top 10.5% in 1B-3B tier

Deposit Growth Rate

growth

Value: 12.27%

Peer Median: 4.44%

#34 of 306 Top 10.8% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.85B

Peer Median: $1.11B

#38 of 306 Top 12.1% in 1B-3B tier

Loan Growth Rate

growth

Value: 12.46%

Peer Median: 5.67%

#40 of 306 Top 12.7% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.77%

Peer Median: 33.05%

#44 of 306 Top 14.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.87%

Peer Median: 3.37%

#50 of 306 Top 16.0% in 1B-3B tier

Top Weaknesses (6 metrics)

275

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: 0.66%

#275 of 306 Bottom 10.5% in 1B-3B tier

258

Average Member Relationship (AMR)

engagement

Value: $22,509

Peer Median: $28,178

#258 of 306 Bottom 16.0% in 1B-3B tier

252

AMR Growth Rate

growth

Value: -1.08%

Peer Median: 3.15%

#252 of 306 Bottom 18.0% in 1B-3B tier

245

Efficiency Ratio

profitability

Value: 82.23%

Peer Median: 75.16%

#245 of 306 Bottom 20.3% in 1B-3B tier

236

Share Certificate Concentration (%)

balance_sheet

Value: 34.16%

Peer Median: 27.93%

#236 of 306 Bottom 23.2% in 1B-3B tier

232

Indirect Auto Concentration (%)

balance_sheet

Value: 28.61%

Peer Median: 13.86%

#232 of 306 Bottom 24.5% in 1B-3B tier