BlastPoint's Credit Union Scorecard

EAGLE ONE

Charter #464 · DE

<100M
2508 CUs in <100M nationally 9 in DE

EAGLE ONE has 8 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.45% above tier average
  • + Net Interest Margin 0.53% above tier average
  • + Strong member growth: 6.2% YoY
  • + Total Deposits: Top 1.3% in tier
  • + Total Members: Top 1.4% in tier
  • + Total Assets: Top 2.0% in tier
  • + Total Loans: Top 4.7% in tier
  • + Member Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

  • - Delinquency rate 0.85% above tier average
  • - Net Charge-Off Rate: Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (DE) National Avg Tier Percentile
Members 9,575
+6.2% YoY-1.1% QoQ
+6.9K 2,676
+1.6% YoY
16,940
+7.4% YoY
33,913
+5.7% YoY
Top 1.5% in tier
Assets $93.9M
+7.4% YoY+0.1% QoQ
+$63.7M $30.2M
+1.3% YoY
$214.1M
+16.8% YoY
$578.3M
+9.0% YoY
Top 2.0% in tier
Loans $50.5M
+6.1% YoY-3.1% QoQ
+$35.2M $15.3M
-2.0% YoY
$130.7M
+18.0% YoY
$402.4M
+8.7% YoY
Top 4.7% in tier
Deposits $83.4M
+7.5% YoY-0.1% QoQ
+$57.6M $25.8M
+0.7% YoY
$190.3M
+16.8% YoY
$494.3M
+9.1% YoY
Top 1.3% in tier

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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%
+303.3% YoY+77.6% QoQ
+0.4% 0.1%
-77.6% YoY
1.6%
+9.6% YoY
0.4%
-39.2% YoY
49%
NIM 4.5%
+4.6% YoY+3.8% QoQ
+0.5% 4.0%
+4.0% YoY
3.5%
+6.1% YoY
3.8%
+4.1% YoY
78%
Efficiency Ratio 81.8%
-4.7% YoY-4.1% QoQ
-8.8% 90.6%
+6.5% YoY
78.7%
-23.9% YoY
84.6%
+2.8% YoY
50%
Delinquency Rate 2.4%
+103.7% YoY+0.3% QoQ
+0.8 1.5%
+3.8% YoY
2.3%
+13.1% YoY
1.2%
+3.4% YoY
84%
Loan To Share 60.6%
-1.3% YoY-3.0% QoQ
+2.0% 58.5%
-3.0% YoY
46.7%
+1.2% YoY
65.6%
-1.4% YoY
53%
AMR $13,981
+0.7% YoY-0.2% QoQ
$-904 $14,884
-1.7% YoY
$14,274
+3.2% YoY
$19,920
+1.6% YoY
50%
CD Concentration 22.4%
+17.3% YoY+1.4% QoQ
-1.9% 24.3% 13.3% 19.8% 50%
Indirect Auto % 0.5%
-68.7% YoY-24.3% QoQ
-13.3% 13.8% 7.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (11 metrics)

33
Total Deposits
balance_sheet
Value: $83.38M
Peer Median: $18.77M
#33 of 2508 Top 1.3% in <100M tier
37
Total Members
engagement
Value: 9,575
Peer Median: 1,918
#37 of 2508 Top 1.4% in <100M tier
51
Total Assets
balance_sheet
Value: $93.93M
Peer Median: $21.86M
#51 of 2508 Top 2.0% in <100M tier
118
Total Loans
balance_sheet
Value: $50.49M
Peer Median: $9.48M
#118 of 2508 Top 4.7% in <100M tier
138
Member Growth Rate
growth
Value: 6.22%
Peer Median: -1.37%
#138 of 2508 Top 5.5% in <100M tier
192
Fee Income Per Member
profitability
Value: $173.87
Peer Median: $60.42
#192 of 2508 Top 7.6% in <100M tier
330
Asset Growth Rate
growth
Value: 7.43%
Peer Median: 1.30%
#330 of 2508 Top 13.1% in <100M tier
355
Deposit Growth Rate
growth
Value: 7.49%
Peer Median: 0.66%
#355 of 2508 Top 14.1% in <100M tier
420
Members Per Employee (MPE)
engagement
Value: 478.750
Peer Median: 333.750
#420 of 2508 Top 16.7% in <100M tier
432
Loan Growth Rate
growth
Value: 6.08%
Peer Median: -2.36%
#432 of 2508 Top 17.2% in <100M tier

Top Weaknesses (4 metrics)

2292
Net Charge-Off Rate
risk
Value: 1.59%
Peer Median: 0.07%
#2292 of 2508 Bottom 8.7% in <100M tier
2154
Indirect Auto Concentration (%)
balance_sheet
Value: 0.53%
Peer Median: 0.00%
#2154 of 2508 Bottom 14.2% in <100M tier
2118
Total Delinquency Rate (60+ days)
risk
Value: 2.35%
Peer Median: 0.65%
#2118 of 2508 Bottom 15.6% in <100M tier
2044
Net Worth Ratio
risk
Value: 10.15%
Peer Median: 14.28%
#2044 of 2508 Bottom 18.5% in <100M tier
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