BlastPoint's Credit Union Scorecard

COTTONWOOD COMMUNITY

Charter #4960 · ID

1069 CUs in 100M-500M nationally 9 in ID

COTTONWOOD COMMUNITY has 9 strengths but faces 2 concerns

National Analysis

How does the industry compare?

ID Analysis

How does ID stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 26.6% in tier
+ Relationship Depth Leader: Top 41.6% in tier
+ Organic Growth Leader: Top 60.9% in tier
+ Wallet Share Momentum: Top 82.0% in tier
+ ROA 0.77% above tier average
+ Efficiency Ratio: Top 4.5% in tier
+ Net Charge-Off Rate: Top 4.5% in tier
+ Average Member Relationship (AMR): Top 5.5% in tier
+ Loan-to-Member Ratio (LMR): Top 6.2% in tier

Key Concerns

Areas that may need attention

- Fee Income Per Member: Bottom 7.3% in tier
- Members Per Employee (MPE): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	10,021 +2.0% YoY+0.4% QoQ	-5.4K	15,437 -2.9% YoY	54,272 +7.9% YoY	33,374 +5.7% YoY	31%
Assets	$278.9M +10.1% YoY+1.5% QoQ	+$47.0M	$231.9M +1.3% YoY	$970.0M +13.3% YoY	$561.6M +9.7% YoY	70%
Loans	$173.7M +5.9% YoY+0.2% QoQ	+$26.4M	$147.3M -0.1% YoY	$802.2M +13.5% YoY	$397.0M +8.8% YoY	68%
Deposits	$237.7M +9.8% YoY+1.3% QoQ	+$36.9M	$200.8M +0.8% YoY	$828.5M +12.5% YoY	$477.3M +9.7% YoY	68%

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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	1.5% +77.5% YoY-2.6% QoQ	+0.8%	0.8% +18.2% YoY	0.8% +25.2% YoY	0.7% +15.9% YoY	Top 10.3% in tier
NIM	3.4% +25.0% YoY-0.8% QoQ	-0.2%	3.6% +6.7% YoY	3.7% +5.8% YoY	3.8% +5.1% YoY	35%
Efficiency Ratio	56.8% -16.0% YoY+1.8% QoQ	-20.2%	77.0% -3.1% YoY	73.6% -4.6% YoY	79.7% -3.3% YoY	Bottom 4.5% in tier
Delinquency Rate	0.9% -7.4% YoY+113.1% QoQ	-0.0	0.9% +4.2% YoY	0.9% -20.4% YoY	1.3% -2.1% YoY	62%
Loan To Share	73.1% -3.6% YoY-1.1% QoQ	+0.8%	72.2% -1.1% YoY	84.8% -0.9% YoY	67.4% -1.7% YoY	49%
AMR	$41,059 +6.0% YoY+0.4% QoQ	+$16K	$24,676 +3.4% YoY	$24,417 +3.6% YoY	$19,687 +2.0% YoY	Top 5.6% in tier
CD Concentration	28.2% -9.7% YoY-2.4% QoQ	+3.8%	24.4%	27.2%	19.8%	50%
Indirect Auto %	4.8% -28.8% YoY-1.6% QoQ	-9.0%	13.8%	11.9%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#159 of 595 • Top 26.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.53%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 4.82%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#112 of 268 • Top 41.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.00%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Organic Growth Leader

growth

#260 of 426 • Top 60.9% in tier

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

Why This Signature

Member Growth (YoY): 1.97%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 4.82%

(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

#421 of 513 • Top 82.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.00%

(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 (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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 56.78%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,059

Peer Median: -

#60 of 1069 Top 5.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,336

Peer Median: -

#67 of 1069 Top 6.2% in 100M-500M tier

110

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

137

Asset Growth Rate

growth

Value: 10.06%

Peer Median: -

#137 of 1069 Top 12.7% in 100M-500M tier

138

Deposit Growth Rate

growth

Value: 9.78%

Peer Median: -

#138 of 1069 Top 12.8% in 100M-500M tier

192

Net Worth Ratio

risk

Value: 14.48%

Peer Median: -

#192 of 1069 Top 17.9% in 100M-500M tier

Top Weaknesses (3 metrics)

992

Fee Income Per Member

profitability

Value: $82.13

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

966

Members Per Employee (MPE)

engagement

Value: 222.689

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

906

First Mortgage Concentration (%)

balance_sheet

Value: 48.33%

Peer Median: -

#906 of 1069 Bottom 15.3% in 100M-500M tier