BlastPoint's Credit Union Scorecard

CYPRUS

Charter #24688 · UT

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 5 in UT
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CYPRUS has 5 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 39.0% in tier
  • + ROA 0.15% above tier average
  • + Net Interest Margin 0.47% above tier average
  • + Strong member growth: 5.3% YoY
  • + Loan-to-Share Ratio: Top 4.6% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 14.5% in tier
  • - Indirect Auto Dependency: Bottom 52.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 148,414
+5.3% YoY+0.6% QoQ
 +51.0K 97,431
-2.4% YoY
 78,581
+8.3% YoY
 33,374
+5.7% YoY
 Top 13.2% in tier
Assets $1.9B
+6.4% YoY+1.2% QoQ
 +$202.4M $1.7B
+0.9% YoY
 $1.2B
+12.9% YoY
 $561.6M
+9.7% YoY
 66%
Loans $1.7B
+5.9% YoY+0.5% QoQ
 +$511.5M $1.2B
+0.5% YoY
 $958.3M
+12.4% YoY
 $397.0M
+8.8% YoY
 83%
Deposits $1.7B
+9.3% YoY+1.4% QoQ
 +$200.0M $1.5B
+0.9% YoY
 $1.1B
+12.7% YoY
 $477.3M
+9.7% 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 0.8%
+9.5% YoY+16.2% QoQ
 +0.1% 0.7%
+20.9% YoY
 0.8%
+12.1% YoY
 0.7%
+15.9% YoY
 65%
NIM 3.7%
+8.2% YoY+1.2% QoQ
 +0.5% 3.3%
+9.2% YoY
 3.4%
+4.7% YoY
 3.8%
+5.1% YoY
 80%
Efficiency Ratio 70.1%
-6.5% YoY-1.5% QoQ
 -4.0% 74.1%
-9.5% YoY
 72.6%
-3.7% YoY
 79.7%
-3.3% YoY
 32%
Delinquency Rate 0.5%
-2.8% YoY+50.7% QoQ
 -0.4 0.9%
+6.2% YoY
 1.0%
+50.5% YoY
 1.3%
-2.1% YoY
 24%
Loan To Share 105.2%
-3.1% YoY-0.8% QoQ
 +20.4% 84.8%
-0.8% YoY
 76.7%
-4.3% YoY
 67.4%
-1.7% YoY
 Top 5.0% in tier
AMR $22,944
+2.2% YoY+0.3% QoQ
 $-6K $29,428
+2.4% YoY
 $21,704
+5.2% YoY
 $19,687
+2.0% YoY
 19%
CD Concentration 34.2%
-2.0% YoY-1.3% QoQ
 +5.2% 29.0% 28.4% 19.8% 74%
Indirect Auto % 29.6%
-1.5% YoY+0.1% QoQ
 +11.3% 18.3% 7.4% 7.8% 76%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#97 of 247 • Top 39.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.25%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.83%
(Tier: 0.69%, National: 0.67%)
better than tier avg
Indirect Auto %: 29.63%
(Tier: 18.31%, National: 7.78%)
but worse than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk
#25 of 166 • Bottom 14.5% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.22%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 5.93%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#103 of 196 • Bottom 52.3% in tier

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

Why This Signature
Asset Growth (YoY): 6.37%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 29.63%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 5.25%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 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)

Comparing against 302 peers in tier

Top Strengths (8 metrics)

15
Loan-to-Share Ratio
balance_sheet
Value: 105.22%
Peer Median: -
#15 of 302 Top 4.6% in 1B-3B tier
40
First Mortgage Concentration (%)
balance_sheet
Value: 18.09%
Peer Median: -
#40 of 302 Top 12.9% in 1B-3B tier
40
Total Members
engagement
Value: 148,414
Peer Median: -
#40 of 302 Top 12.9% in 1B-3B tier
51
Total Loans
balance_sheet
Value: $1.75B
Peer Median: -
#51 of 302 Top 16.6% in 1B-3B tier
53
Deposit Growth Rate
growth
Value: 9.27%
Peer Median: -
#53 of 302 Top 17.2% in 1B-3B tier
54
Member Growth Rate
growth
Value: 5.25%
Peer Median: -
#54 of 302 Top 17.5% in 1B-3B tier
59
Net Interest Margin (NIM)
profitability
Value: 3.74%
Peer Median: -
#59 of 302 Top 19.2% in 1B-3B tier
72
Total Delinquency Rate (60+ days)
risk
Value: 0.47%
Peer Median: -
#72 of 302 Top 23.5% in 1B-3B tier

Top Weaknesses (3 metrics)

244
Average Member Relationship (AMR)
engagement
Value: $22,944
Peer Median: -
#244 of 302 Bottom 19.5% in 1B-3B tier
230
Indirect Auto Concentration (%)
balance_sheet
Value: 29.63%
Peer Median: -
#230 of 302 Bottom 24.2% in 1B-3B tier
230
Members Per Employee (MPE)
engagement
Value: 300.433
Peer Median: -
#230 of 302 Bottom 24.2% in 1B-3B tier
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