BlastPoint's Credit Union Scorecard

CLEAN ENERGY

Charter #24889 · CO

1069 CUs in 100M-500M nationally 26 in CO

CLEAN ENERGY has 12 strengths but faces 7 concerns

National Analysis

How does the industry compare?
CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.7% in tier
  • + Wallet Share Momentum: Top 0.8% in tier
  • + Net Interest Margin 0.28% above tier average
  • + Strong member growth: 35.3% YoY
  • + Asset Growth Rate: Top 0.0% in tier
  • + Loan Growth Rate: Top 0.0% in tier
  • + Deposit Growth Rate: Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + AMR Growth Rate: Top 0.3% in tier
  • + Member Growth Rate: Top 0.8% in tier
  • + Loan-to-Share Ratio: Top 2.9% in tier
  • + Net Charge-Off Rate: Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 2.6% in tier
  • - Efficiency Drag: Bottom 67.0% in tier
  • - ROA 1.14% below tier average
  • - Efficiency ratio 27.96% above tier (higher cost structure)
  • - Share Certificate Concentration (%): Bottom 4.7% in tier
  • - Average Member Relationship (AMR): Bottom 7.7% in tier
  • - Total Deposits: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 13,655
+35.3% YoY+3.2% QoQ
 -1.8K 15,437
-2.9% YoY
 37,842
+7.2% YoY
 33,374
+5.7% YoY
 51%
Assets $119.0M
+77.9% YoY+4.6% QoQ
 $-112.9M $231.9M
+1.3% YoY
 $688.6M
+9.4% YoY
 $561.6M
+9.7% YoY
 Bottom 12.6% in tier
Loans $98.0M
+88.0% YoY+35.5% QoQ
 $-49.4M $147.3M
-0.1% YoY
 $531.4M
+7.9% YoY
 $397.0M
+8.8% YoY
 34%
Deposits $98.6M
+98.2% YoY+3.2% QoQ
 $-102.2M $200.8M
+0.8% YoY
 $583.2M
+9.5% YoY
 $477.3M
+9.7% YoY
 Bottom 9.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.4%
-67.0% YoY-22.8% QoQ
 -1.1% 0.8%
+18.2% YoY
 0.4%
-10.6% YoY
 0.7%
+15.9% YoY
 Bottom 3.2% in tier
NIM 3.9%
-33.2% YoY-12.2% QoQ
 +0.3% 3.6%
+6.7% YoY
 3.5%
+1.6% YoY
 3.8%
+5.1% YoY
 67%
Efficiency Ratio 105.0%
-7.6% YoY-3.8% QoQ
 +28.0% 77.0%
-3.1% YoY
 82.6%
+1.3% YoY
 79.7%
-3.3% YoY
 Top 1.4% in tier
Delinquency Rate 0.5%
-28.9% YoY+24.3% QoQ
 -0.4 0.9%
+4.2% YoY
 1.0%
+15.7% YoY
 1.3%
-2.1% YoY
 31%
Loan To Share 99.4%
-5.1% YoY+31.3% QoQ
 +27.1% 72.2%
-1.1% YoY
 72.0%
-2.4% YoY
 67.4%
-1.7% YoY
 Top 3.0% in tier
AMR $14,393
+42.6% YoY+13.5% QoQ
 $-10K $24,676
+3.4% YoY
 $23,202
+4.3% YoY
 $19,687
+2.0% YoY
 Bottom 7.6% in tier
CD Concentration 42.7%
-13.1% YoY-0.3% QoQ
 +18.3% 24.4% 26.2% 19.8% 50%
Indirect Auto % 4.9%
-10.6% QoQ
 -8.9% 13.8% 12.2% 7.8% 50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#4 of 426 • Top 0.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 35.32%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 4.92%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Wallet Share Momentum

growth
#5 of 513 • Top 0.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 42.60%
(Tier: 4.17%, National: 4.00%)
better than tier avg
513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally
↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk
#7 of 228 • Bottom 2.6% in tier

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

Why This Signature
Loan-to-Share Ratio: 99.37%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 87.99%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | New qualifier

Efficiency Drag

risk
#361 of 538 • Bottom 67.0% in tier

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

Why This Signature
Efficiency Ratio: 104.97%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.77% points
(Tier: 0.11% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): 35.32%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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)

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

1
Asset Growth Rate
growth
Value: 77.91%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
1
Loan Growth Rate
growth
Value: 87.99%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
1
Deposit Growth Rate
growth
Value: 98.19%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 1069 Top 0.0% in 100M-500M tier
4
AMR Growth Rate
growth
Value: 42.60%
Peer Median: -
#4 of 1069 Top 0.3% in 100M-500M tier
10
Member Growth Rate
growth
Value: 35.32%
Peer Median: -
#10 of 1069 Top 0.8% in 100M-500M tier
32
Loan-to-Share Ratio
balance_sheet
Value: 99.37%
Peer Median: -
#32 of 1069 Top 2.9% in 100M-500M tier
85
Net Charge-Off Rate
risk
Value: 0.06%
Peer Median: -
#85 of 1069 Top 7.9% in 100M-500M tier

Top Weaknesses (8 metrics)

1055
Efficiency Ratio
profitability
Value: 104.97%
Peer Median: -
#1055 of 1069 Bottom 1.4% in 100M-500M tier
1035
Return on Assets (ROA)
profitability
Value: -0.38%
Peer Median: -
#1035 of 1069 Bottom 3.3% in 100M-500M tier
1020
Share Certificate Concentration (%)
balance_sheet
Value: 42.72%
Peer Median: -
#1020 of 1069 Bottom 4.7% in 100M-500M tier
988
Average Member Relationship (AMR)
engagement
Value: $14,393
Peer Median: -
#988 of 1069 Bottom 7.7% in 100M-500M tier
968
Total Deposits
balance_sheet
Value: $98.58M
Peer Median: -
#968 of 1069 Bottom 9.5% in 100M-500M tier
934
Fee Income Per Member
profitability
Value: $96.23
Peer Median: -
#934 of 1069 Bottom 12.7% in 100M-500M tier
934
Total Assets
balance_sheet
Value: $118.99M
Peer Median: -
#934 of 1069 Bottom 12.7% in 100M-500M tier
807
Loan-to-Member Ratio (LMR)
engagement
Value: $7,174
Peer Median: -
#807 of 1069 Bottom 24.6% in 100M-500M tier
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