BlastPoint's Credit Union Scorecard
SOUND
Charter #24705 · CT
SOUND has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.69% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.81% below tier average
- - Efficiency ratio 22.37% above tier (higher cost structure)
- - Member decline: -6.4% YoY
- - Net Worth Ratio: Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,361
-6.4% YoY-5.5% QoQ
|
-6.8K |
15,145
-2.5% YoY
|
14,157
+8.2% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$116.1M
-7.7% YoY-2.1% QoQ
|
$-115.6M |
$231.7M
+0.8% YoY
|
$246.5M
+13.9% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.7% in tier |
| Loans |
$89.7M
-6.1% YoY-2.2% QoQ
|
$-54.4M |
$144.1M
+0.2% YoY
|
$136.3M
+13.4% YoY
|
$402.4M
+8.7% YoY
|
30% |
| Deposits |
$106.5M
-6.1% YoY+0.4% QoQ
|
$-94.6M |
$201.1M
+0.4% YoY
|
$217.1M
+13.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 15.0% in tier |
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| ROA |
-0.1%
-68.4% YoY-135.3% QoQ
|
-0.8% |
0.7%
+5.1% YoY
|
0.6%
+218.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.4% in tier |
| NIM |
4.3%
+7.4% YoY-0.0% QoQ
|
+0.7% |
3.6%
+4.6% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
Top 13.8% in tier |
| Efficiency Ratio |
100.4%
-0.8% YoY+8.5% QoQ
|
+22.4% |
78.0%
-1.7% YoY
|
83.6%
-6.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
0.5%
-32.8% YoY-44.9% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
2.5%
+122.5% YoY
|
1.2%
+3.4% YoY
|
38% |
| Loan To Share |
84.2%
+0.0% YoY-2.6% QoQ
|
+13.8% |
70.4%
-0.4% YoY
|
52.8%
-1.3% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$23,465
+0.4% YoY+4.9% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$17,581
+5.9% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
21.5%
-8.0% YoY+2.4% QoQ
|
-2.8% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.5% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)