BlastPoint's Credit Union Scorecard

BRONCO

Charter #4616 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

BRONCO has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.70% above tier average
+ Strong member growth: 5.4% YoY
+ Loan Growth Rate: Top 6.8% in tier
+ Member Growth Rate: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- ROA 0.12% below tier average
- Indirect Auto Concentration (%): Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	19,316 +5.4% YoY+0.1% QoQ	+4.2K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	75%
Assets	$293.1M +7.1% YoY+3.6% QoQ	+$61.4M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	72%
Loans	$203.2M +15.2% YoY-1.1% QoQ	+$59.0M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	77%
Deposits	$262.3M +7.4% YoY+3.9% QoQ	+$61.2M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	74%

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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	0.6% -39.6% YoY-19.1% QoQ	-0.1%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	43%
NIM	4.3% -6.0% YoY-2.1% QoQ	+0.7%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Top 13.6% in tier
Efficiency Ratio	76.1% +8.1% YoY+5.2% QoQ	-1.9%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.6% +12.9% YoY-56.4% QoQ	-0.2	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	48%
Loan To Share	77.4% +7.2% YoY-4.8% QoQ	+7.0%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	61%
AMR	$24,099 +5.0% YoY+1.5% QoQ	$-820	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	56%
CD Concentration	26.8% +23.1% YoY-1.9% QoQ	+2.6%	24.3%	18.0%	19.8%	50%
Indirect Auto %	42.3% +19.2% YoY-0.8% QoQ	+28.5%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#86 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.14%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 42.33%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.44%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Credit Risk Growth

risk

#169 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): 15.15%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.07% 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

Credit Quality Pressure

risk

#550 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): 0.07% 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

Cost Spiral

risk

#77 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.71% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 60.46%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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: 15.15%

Peer Median: 2.93%

#74 of 1070 Top 6.8% in 100M-500M tier

Member Growth Rate

growth

Value: 5.44%

Peer Median: -0.06%

#96 of 1070 Top 8.9% in 100M-500M tier

146

Net Interest Margin (NIM)

profitability

Value: 4.33%

Peer Median: 3.62%

#146 of 1070 Top 13.6% in 100M-500M tier

208

Deposit Growth Rate

growth

Value: 7.44%

Peer Median: 3.30%

#208 of 1070 Top 19.3% in 100M-500M tier

249

Total Loans

balance_sheet

Value: $203.16M

Peer Median: $121.41M

#249 of 1070 Top 23.2% in 100M-500M tier

252

Asset Growth Rate

growth

Value: 7.14%

Peer Median: 3.91%

#252 of 1070 Top 23.5% in 100M-500M tier

267

Total Members

engagement

Value: 19,316

Peer Median: 13,200

#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (2 metrics)

998

Indirect Auto Concentration (%)

balance_sheet

Value: 42.33%

Peer Median: 6.61%

#998 of 1070 Bottom 6.8% in 100M-500M tier

833

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: 0.35%

#833 of 1070 Bottom 22.2% in 100M-500M tier