BlastPoint's Credit Union Scorecard
SOUND
Charter #24705 · CT
SOUND has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.66% above tier average
- + Fee Income Per Member: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Delinquency rate 0.55% above tier average
- - Member decline: -6.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 13 that size in Connecticut.
- Shares and deposits -7.4% year over year ($105M in shares and deposits).
- Membership: 8,354 members, -6.5% vs a year ago.
- Delinquency rate 1.43%.
- Return on assets 1.50%.
- Efficiency ratio 76.45% vs a 76.73% peer average.
- Loan-to-share ratio 82.54% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,354
-6.5% YoY-0.1% QoQ
|
-6.8K |
15,168
-2.6% YoY
|
14,203
+5.8% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$115.5M
-8.5% YoY-0.5% QoQ
|
$-116.5M |
$232.0M
+0.7% YoY
|
$248.5M
+12.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.3% in tier |
| Loans |
$86.8M
-9.3% YoY-3.2% QoQ
|
$-59.5M |
$146.3M
+0.2% YoY
|
$139.3M
+11.4% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$105.2M
-7.4% YoY-1.2% QoQ
|
$-95.5M |
$200.7M
+0.2% YoY
|
$217.7M
+11.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.7% in tier |
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| ROA |
1.5%
+1202.6% YoY-1975.9% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.1%
+193.3% YoY
|
1.2%
+121.4% YoY
|
Top 12.7% in tier |
| NIM |
4.3%
+7.0% YoY+0.5% QoQ
|
+0.7% |
3.7%
+4.5% YoY
|
3.6%
-1.0% YoY
|
3.8%
+2.3% YoY
|
Top 14.5% in tier |
| Efficiency Ratio |
76.4%
-19.1% YoY-23.9% QoQ
|
-0.3% |
76.7%
-0.8% YoY
|
90.9%
-27.8% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
1.4%
+74.8% YoY+211.2% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
1.4%
+21.8% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
82.5%
-2.0% YoY-2.0% QoQ
|
+11.0% |
71.5%
-0.3% YoY
|
53.6%
-1.6% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$22,979
-2.0% YoY-2.1% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$17,514
+4.9% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
21.0%
-6.1% YoY-2.1% QoQ
|
-3.5% | 24.6% | 14.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)