BlastPoint's Credit Union Scorecard

CLEAN ENERGY

Charter #24889 · CO

100M-500M

1070 CUs in 100M-500M nationally 26 in CO

CLEAN ENERGY has 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Net Interest Margin 0.38% above tier average
+ Strong member growth: 30.5% YoY
+ Loan Growth Rate: Top 0.1% in tier
+ AMR Growth Rate: Top 0.4% in tier
+ Deposit Growth Rate: Top 0.5% in tier
+ Asset Growth Rate: Top 0.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 1.14% below tier average
- Efficiency ratio 26.47% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	13,256 +30.5% YoY-2.9% QoQ	-1.9K	15,145 -2.5% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	50%
Assets	$127.1M +45.4% YoY+6.9% QoQ	$-104.6M	$231.7M +0.8% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	18%
Loans	$105.4M +94.9% YoY+7.6% QoQ	$-38.8M	$144.1M +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	39%
Deposits	$109.0M +50.4% YoY+10.6% QoQ	$-92.1M	$201.1M +0.4% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	17%

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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	-0.4% -79.7% YoY+8.7% QoQ	-1.1%	0.7% +5.1% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	Bottom 3.6% in tier
NIM	4.0% +7.6% YoY+3.2% QoQ	+0.4%	3.6% +4.6% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	104.5% -23.4% YoY-0.5% QoQ	+26.5%	78.0% -1.7% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	Bottom 2.2% in tier
Delinquency Rate	0.6% +342.5% YoY+25.8% QoQ	-0.2	0.8% +7.1% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	50%
Loan To Share	96.7% +29.6% YoY-2.7% QoQ	+26.3%	70.4% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	Top 3.1% in tier
AMR	$16,173 +29.8% YoY+12.4% QoQ	$-9K	$24,918 +2.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	Bottom 13.5% in tier
CD Concentration	42.3% +5.1% YoY-0.9% QoQ	+18.0%	24.3%	26.7%	19.8%	50%
Indirect Auto %	4.4% -9.6% QoQ	-9.4%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#6 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 29.84%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#7 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 30.47%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 4.45%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#10 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 94.90%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.47% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Liquidity Strain

risk

#10 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.68%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 94.90%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#128 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.47% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#440 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 104.49%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.63% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 30.47%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 94.90%

Peer Median: 2.93%

#1 of 1070 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.47%

#1 of 1070 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 29.84%

Peer Median: 3.46%

#5 of 1070 Top 0.4% in 100M-500M tier

Deposit Growth Rate

growth

Value: 50.39%

Peer Median: 3.30%

#6 of 1070 Top 0.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 45.36%

Peer Median: 3.91%

#8 of 1070 Top 0.7% in 100M-500M tier

Member Growth Rate

growth

Value: 30.47%

Peer Median: -0.06%

#14 of 1070 Top 1.2% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 96.68%

Peer Median: 71.88%

#33 of 1070 Top 3.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1047

Efficiency Ratio

profitability

Value: 104.49%

Peer Median: 78.68%

#1047 of 1070 Bottom 2.2% in 100M-500M tier

1031

Return on Assets (ROA)

profitability

Value: -0.41%

Peer Median: 0.69%

#1031 of 1070 Bottom 3.7% in 100M-500M tier

1017

Share Certificate Concentration (%)

balance_sheet

Value: 42.32%

Peer Median: 23.10%

#1017 of 1070 Bottom 5.0% in 100M-500M tier

960

Fee Income Per Member

profitability

Value: $81.26

Peer Median: $154.95

#960 of 1070 Bottom 10.4% in 100M-500M tier

926

Average Member Relationship (AMR)

engagement

Value: $16,173

Peer Median: $22,931

#926 of 1070 Bottom 13.6% in 100M-500M tier

890

Total Deposits

balance_sheet

Value: $109.00M

Peer Median: $171.29M

#890 of 1070 Bottom 16.9% in 100M-500M tier

874

Total Assets

balance_sheet

Value: $127.14M

Peer Median: $196.57M

#874 of 1070 Bottom 18.4% in 100M-500M tier