BlastPoint's Credit Union Scorecard

CLEAN ENERGY

Charter #24889 · CO

100M-500M

1024 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
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 0.42% above tier average
+ Strong member growth: 12.5% YoY
+ Loan Growth Rate: Top 0.1% in tier
+ AMR Growth Rate: Top 0.6% in tier
+ Deposit Growth Rate: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.67% below tier average
- Efficiency ratio 17.39% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 5.3% in tier

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 26 that size in Colorado.
Shares and deposits +21.0% year over year ($113M in shares and deposits).
Membership: 13,375 members, +12.5% vs a year ago.
Delinquency rate 0.74%.
Return on assets 0.20%.
Efficiency ratio 94.13% vs a 76.73% peer average.
Loan-to-share ratio 93.66% 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 (CO)	National Avg	Tier Percentile
Members	13,375 +12.5% YoY+0.9% QoQ	-1.8K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	51%
Assets	$130.2M +17.6% YoY+2.4% QoQ	$-101.8M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	19%
Loans	$105.4M +80.7% YoY+0.0% QoQ	$-40.9M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	39%
Deposits	$112.5M +21.0% YoY+3.2% QoQ	$-88.2M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	19%

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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	0.2% -121.0% YoY-147.9% QoQ	-0.7%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	Bottom 8.6% in tier
NIM	4.1% -1.1% YoY+2.2% QoQ	+0.4%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	75%
Efficiency Ratio	94.1% -20.1% YoY-9.9% QoQ	+17.4%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	Bottom 4.5% in tier
Delinquency Rate	0.7% +147.7% YoY+22.3% QoQ	-0.1	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	53%
Loan To Share	93.7% +49.4% YoY-3.1% QoQ	+22.1%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	Top 8.1% in tier
AMR	$16,295 +28.1% YoY+0.8% QoQ	$-9K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	Bottom 13.9% in tier
CD Concentration	42.7% +5.2% YoY+0.8% QoQ	+18.1%	24.6%	27.0%	20.0%	50%
Indirect Auto %	4.0% -11.1% QoQ	-9.7%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#10 of 483 • 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): 28.05%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY

Organic Growth Leader

growth

#16 of 342 • 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): 12.45%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 3.95%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Organic Growth Engine

growth

#201 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 12.45%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.20%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 3.95%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#10 of 472 • 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): 80.71%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.44% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#164 of 693 • 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): 0.44% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Strain

risk

#61 of 224 • 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: 93.66%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 80.71%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | New qualifier

Efficiency Drag

risk

#403 of 531 • 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: 94.13%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 1.14% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 12.45%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (8 metrics)

Loan Growth Rate

growth

Value: 80.71%

Peer Median: 3.02%

#1 of 1024 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.92%

#1 of 1024 Top 0.1% in 100M-500M tier

AMR Growth Rate

growth

Value: 28.05%

Peer Median: 3.53%

#7 of 1024 Top 0.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 20.97%

Peer Median: 3.58%

#14 of 1024 Top 1.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 17.57%

Peer Median: 4.12%

#24 of 1024 Top 2.2% in 100M-500M tier

Member Growth Rate

growth

Value: 12.45%

Peer Median: -0.03%

#25 of 1024 Top 2.3% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.66%

Peer Median: 73.07%

#83 of 1024 Top 8.0% in 100M-500M tier

255

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Median: 3.67%

#255 of 1024 Top 24.8% in 100M-500M tier

Top Weaknesses (7 metrics)

979

Efficiency Ratio

profitability

Value: 94.13%

Peer Median: 77.26%

#979 of 1024 Bottom 4.5% in 100M-500M tier

971

Share Certificate Concentration (%)

balance_sheet

Value: 42.67%

Peer Median: 23.39%

#971 of 1024 Bottom 5.3% in 100M-500M tier

936

Return on Assets (ROA)

profitability

Value: 0.20%

Peer Median: 0.75%

#936 of 1024 Bottom 8.7% in 100M-500M tier

882

Average Member Relationship (AMR)

engagement

Value: $16,295

Peer Median: $23,006

#882 of 1024 Bottom 14.0% in 100M-500M tier

830

Total Deposits

balance_sheet

Value: $112.54M

Peer Median: $170.77M

#830 of 1024 Bottom 19.0% in 100M-500M tier

829

Total Assets

balance_sheet

Value: $130.21M

Peer Median: $196.38M

#829 of 1024 Bottom 19.1% in 100M-500M tier

794

Net Worth Ratio

risk

Value: 9.81%

Peer Median: 11.71%

#794 of 1024 Bottom 22.6% in 100M-500M tier