BlastPoint's Credit Union Scorecard

COTTONWOOD COMMUNITY

Charter #4960 · ID

1077 CUs in 100M-500M nationally 9 in ID

COTTONWOOD COMMUNITY has 11 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 8.4% in tier
+ Organic Growth Leader: Top 18.6% in tier
+ Profitability Leader: Top 38.0% in tier
+ Relationship Depth Leader: Top 41.4% in tier
+ Wallet Share Momentum: Top 80.2% in tier
+ ROA 0.78% above tier average
+ Efficiency Ratio: Top 5.0% in tier
+ Average Member Relationship (AMR): Top 5.5% in tier
+ Loan-to-Member Ratio (LMR): Top 5.8% in tier
+ Deposit Growth Rate: Top 9.6% in tier
+ Net Charge-Off Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Members Per Employee (MPE): Bottom 6.7% in tier
- Fee Income Per Member: Bottom 8.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Members	9,979 +2.1% YoY+0.8% QoQ	-5.6K	15,628 -3.4% YoY	53,577 +7.1% YoY	33,089 +6.1% YoY	30%
Assets	$274.7M +10.3% YoY+3.9% QoQ	+$43.4M	$231.3M -0.0% YoY	$936.8M +11.3% YoY	$547.7M +7.8% YoY	69%
Loans	$173.4M +4.8% YoY-1.0% QoQ	+$25.6M	$147.8M -1.4% YoY	$777.6M +12.0% YoY	$388.7M +8.6% YoY	68%
Deposits	$234.7M +10.7% YoY+4.1% QoQ	+$34.4M	$200.3M -0.0% YoY	$812.6M +12.3% YoY	$464.6M +9.3% YoY	67%

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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	1.6% +21.8% YoY+4.6% QoQ	+0.8%	0.8% +15.5% YoY	0.6% -15.0% YoY	0.7% +273.4% YoY	Top 10.5% in tier
NIM	3.4% +7.7% YoY-0.6% QoQ	-0.2%	3.6% +6.9% YoY	3.7% +5.1% YoY	3.7% +5.0% YoY	37%
Efficiency Ratio	55.8% -5.8% YoY-2.3% QoQ	-21.5%	77.3% -3.0% YoY	73.1% -2.3% YoY	79.1% -3.3% YoY	Bottom 5.0% in tier
Delinquency Rate	0.4% -74.0% YoY-60.5% QoQ	-0.4	0.9% +7.6% YoY	0.9% -2.1% YoY	1.2% -0.9% YoY	29%
Loan To Share	73.9% -5.3% YoY-4.9% QoQ	+1.2%	72.7% -1.5% YoY	85.6% -1.1% YoY	68.0% -1.7% YoY	50%
AMR	$40,895 +5.9% YoY+1.0% QoQ	+$17K	$24,363 +2.9% YoY	$24,176 +3.9% YoY	$19,418 +1.3% YoY	Top 5.6% in tier
CD Concentration	28.9% -5.9% YoY-7.8% QoQ	+4.5%	24.4% +4.2% YoY	27.1% +1.8% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	4.9% -10.2% YoY-7.5% QoQ	-9.1%	14.0% -5.7% YoY	12.1% -5.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#155 of 603 • Top 8.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.57%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 4.90%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#246 of 430 • Top 18.6% in tier

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

Why This Signature

Member Growth (YoY): 2.12%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 4.90%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Profitability Leader

growth

#130 of 340 • Top 38.0% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.57%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#107 of 257 • Top 41.4% 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): 5.90%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#386 of 481 • Top 80.2% in tier

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

Why This Signature

AMR Growth (YoY): 5.90%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 55.79%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $40,895

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,380

Peer Avg: -

#63 of 1077 Top 5.8% in 100M-500M tier

104

Deposit Growth Rate

growth

Value: 10.72%

Peer Avg: -

#104 of 1077 Top 9.6% in 100M-500M tier

106

Net Charge-Off Rate

risk

Value: 0.06%

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

112

Asset Growth Rate

growth

Value: 10.31%

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

113

Return on Assets (ROA)

profitability

Value: 1.57%

Peer Avg: -

#113 of 1077 Top 10.4% in 100M-500M tier

205

Net Worth Ratio

risk

Value: 14.33%

Peer Avg: -

#205 of 1077 Top 18.9% in 100M-500M tier

Top Weaknesses (3 metrics)

1006

Members Per Employee (MPE)

engagement

Value: 212.319

Peer Avg: -

#1006 of 1077 Bottom 6.7% in 100M-500M tier

991

Fee Income Per Member

profitability

Value: $82.28

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

902

First Mortgage Concentration (%)

balance_sheet

Value: 47.58%

Peer Avg: -

#902 of 1077 Bottom 16.3% in 100M-500M tier