BlastPoint's Credit Union Scorecard

DUTCH POINT

Charter #60457 · CT

Community 500M-750M

169 CUs in 500M-750M nationally 2 in CT

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DUTCH POINT has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CT Analysis

How does CT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 21.8% in tier
+ Relationship Depth Leader: Top 24.2% in tier
+ Organic Growth Leader: Top 25.4% in tier
+ Wallet Share Momentum: Top 49.8% in tier
+ Credit Quality Leader: Top 80.2% in tier
+ ROA 0.21% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 6.7% in tier
- Credit Quality Pressure: Bottom 15.6% in tier
- Share Certificate Concentration (%): Bottom 4.7% in tier
- Total Members: Bottom 6.5% in tier
- Total Loans: Bottom 7.1% in tier
- Loan-to-Share Ratio: Bottom 9.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	24,392 +1.3% YoY+0.6% QoQ	-15.4K	39,752 -2.7% YoY	13,754 +3.9% YoY	33,089 +6.1% YoY	Bottom 5.9% in tier
Assets	$529.6M +7.3% YoY-0.6% QoQ	$-92.8M	$622.4M +0.3% YoY	$223.0M +8.2% YoY	$547.7M +7.8% YoY	Bottom 13.6% in tier
Loans	$284.6M +11.7% YoY+7.2% QoQ	$-151.4M	$435.9M -0.4% YoY	$129.0M +9.8% YoY	$388.7M +8.6% YoY	Bottom 6.5% in tier
Deposits	$469.0M +7.1% YoY-0.9% QoQ	$-69.0M	$538.0M +1.3% YoY	$195.5M +7.9% YoY	$464.6M +9.3% YoY	15%

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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	0.9% -0.9% YoY+8.2% QoQ	+0.2%	0.7% +33.9% YoY	0.4% -140.5% YoY	0.7% +273.4% YoY	68%
NIM	2.8% +7.6% YoY+3.0% QoQ	-0.6%	3.4% +8.6% YoY	3.6% +5.0% YoY	3.7% +5.0% YoY	Bottom 13.6% in tier
Efficiency Ratio	72.4% +0.1% YoY-1.1% QoQ	-5.7%	78.1% -3.4% YoY	85.8% +0.7% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	0.3% +116.3% YoY-17.7% QoQ	-0.5	0.8% -4.9% YoY	1.2% +0.2% YoY	1.2% -0.9% YoY	19%
Loan To Share	60.7% +4.4% YoY+8.2% QoQ	-20.4%	81.0% -1.8% YoY	56.5% +1.7% YoY	68.0% -1.7% YoY	Bottom 8.9% in tier
AMR	$30,895 +7.4% YoY+1.3% QoQ	+$4K	$26,482 +2.6% YoY	$16,763 +4.9% YoY	$19,418 +1.3% YoY	80%
CD Concentration	41.4% +7.1% YoY+4.1% QoQ	+16.9%	24.4% +4.2% YoY	14.4% +16.9% YoY	19.6% +6.2% YoY	Top 5.6% in tier
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% -6.5% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#400 of 603 • Top 21.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.27%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.87%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Relationship Depth Leader

growth

#63 of 257 • Top 24.2% 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): 7.43%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.8K

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

but worse than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Organic Growth Leader

growth

#336 of 430 • Top 25.4% in tier

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

Why This Signature

Member Growth (YoY): 1.27%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth

#240 of 481 • Top 49.8% in tier

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

Why This Signature

AMR Growth (YoY): 7.43%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#273 of 340 • Top 80.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.33%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

457 nationally

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

Concerns (2)

Credit Risk Growth

risk

#101 of 446 • Bottom 6.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.74%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#386 of 736 • Bottom 15.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

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 169 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 169 Top 0.0% in 500M-750M tier

Loan Growth Rate

growth

Value: 11.74%

Peer Avg: -

#20 of 169 Top 11.2% in 500M-750M tier

AMR Growth Rate

growth

Value: 7.43%

Peer Avg: -

#31 of 169 Top 17.8% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Avg: -

#33 of 169 Top 18.9% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $30,895

Peer Avg: -

#34 of 169 Top 19.5% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.17%

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Asset Growth Rate

growth

Value: 7.31%

Peer Avg: -

#37 of 169 Top 21.3% in 500M-750M tier

Efficiency Ratio

profitability

Value: 72.36%

Peer Avg: -

#41 of 169 Top 23.7% in 500M-750M tier

Top Weaknesses (8 metrics)

162

Share Certificate Concentration (%)

balance_sheet

Value: 41.35%

Peer Avg: -

#162 of 169 Bottom 4.7% in 500M-750M tier

159

Total Members

engagement

Value: 24,392

Peer Avg: -

#159 of 169 Bottom 6.5% in 500M-750M tier

158

Total Loans

balance_sheet

Value: $284.57M

Peer Avg: -

#158 of 169 Bottom 7.1% in 500M-750M tier

154

Loan-to-Share Ratio

balance_sheet

Value: 60.67%

Peer Avg: -

#154 of 169 Bottom 9.5% in 500M-750M tier

146

Net Interest Margin (NIM)

profitability

Value: 2.84%

Peer Avg: -

#146 of 169 Bottom 14.2% in 500M-750M tier

146

Total Assets

balance_sheet

Value: $529.58M

Peer Avg: -

#146 of 169 Bottom 14.2% in 500M-750M tier

143

Total Deposits

balance_sheet

Value: $469.03M

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier

140

First Mortgage Concentration (%)

balance_sheet

Value: 47.22%

Peer Avg: -

#140 of 169 Bottom 17.8% in 500M-750M tier