BlastPoint's Credit Union Scorecard

DUTCH POINT

Charter #60457 · CT

Community 500M-750M

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

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DUTCH POINT has 7 strengths but faces 4 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

+ Relationship Depth Leader: Top 13.3% in tier
+ Wallet Share Momentum: Top 13.3% in tier
+ Organic Growth Engine: Top 38.1% in tier
+ Organic Growth Leader: Top 38.1% in tier
+ ROA 0.27% above tier average
+ Loan Growth Rate: Top 5.4% in tier
+ Total Delinquency Rate (60+ days): Top 7.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 7.0% in tier
- Credit Quality Pressure: Bottom 50.6% in tier
- Share Certificate Concentration (%): Bottom 3.0% in tier
- Total Members: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CT)	National Avg	Tier Percentile
Members	24,456 +1.2% YoY+0.2% QoQ	-13.6K	38,079 -4.8% YoY	14,157 +8.2% YoY	33,913 +5.7% YoY	Bottom 7.2% in tier
Assets	$560.0M +7.3% YoY+3.0% QoQ	$-59.7M	$619.7M -0.2% YoY	$246.5M +13.9% YoY	$578.3M +9.0% YoY	28%
Loans	$294.2M +15.1% YoY+1.8% QoQ	$-125.1M	$419.3M -1.4% YoY	$136.3M +13.4% YoY	$402.4M +8.7% YoY	Bottom 9.6% in tier
Deposits	$496.6M +7.0% YoY+3.1% QoQ	$-42.9M	$539.5M -0.1% YoY	$217.1M +13.8% YoY	$494.3M +9.1% YoY	29%

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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	1.0% +24.6% YoY-2.4% QoQ	+0.3%	0.7% +36.0% YoY	0.6% +218.7% YoY	0.4% -39.2% YoY	72%
NIM	3.0% +11.6% YoY+2.9% QoQ	-0.5%	3.5% +4.5% YoY	3.6% +1.6% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	74.0% -1.7% YoY+4.2% QoQ	-4.4%	78.4% -3.7% YoY	83.6% -6.8% YoY	84.6% +2.8% YoY	26%
Delinquency Rate	0.2% +12.3% YoY-6.5% QoQ	-0.5	0.7% -0.9% YoY	2.5% +122.5% YoY	1.2% +3.4% YoY	Top 7.8% in tier
Loan To Share	59.2% +7.5% YoY-1.2% QoQ	-18.4%	77.7% -1.2% YoY	52.8% -1.3% YoY	65.6% -1.4% YoY	Bottom 10.8% in tier
AMR	$32,335 +8.6% YoY+2.4% QoQ	+$5K	$26,927 +3.1% YoY	$17,581 +5.9% YoY	$19,920 +1.6% YoY	81%
CD Concentration	40.9% +5.8% YoY-0.6% QoQ	+16.6%	24.3%	14.5%	19.8%	Top 6.3% in tier
Indirect Auto %	0.0%	-13.8%	13.8%	4.5%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#54 of 257 • Top 13.3% 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): 8.61%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#177 of 491 • Top 13.3% in tier

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

Why This Signature

AMR Growth (YoY): 8.61%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Engine

growth

#204 of 352 • Top 38.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.17%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.96%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#294 of 371 • Top 38.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.17%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#238 of 476 • Bottom 7.0% in tier

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

Why This Signature

Loan Growth (YoY): 15.07%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#675 of 727 • Bottom 50.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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 167 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Loan Growth Rate

growth

Value: 15.07%

Peer Median: 4.25%

#10 of 167 Top 5.4% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: 0.62%

#14 of 167 Top 7.8% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.61%

Peer Median: 4.03%

#18 of 167 Top 10.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $32,335

Peer Median: $25,600

#32 of 167 Top 18.6% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.18%

Peer Median: 0.39%

#34 of 167 Top 19.8% in 500M-750M tier

Top Weaknesses (6 metrics)

163

Share Certificate Concentration (%)

balance_sheet

Value: 40.92%

Peer Median: 26.29%

#163 of 167 Bottom 3.0% in 500M-750M tier

155

Total Members

engagement

Value: 24,456

Peer Median: 36,874

#155 of 167 Bottom 7.8% in 500M-750M tier

151

Total Loans

balance_sheet

Value: $294.19M

Peer Median: $427.27M

#151 of 167 Bottom 10.2% in 500M-750M tier

149

Loan-to-Share Ratio

balance_sheet

Value: 59.24%

Peer Median: 79.97%

#149 of 167 Bottom 11.4% in 500M-750M tier

143

First Mortgage Concentration (%)

balance_sheet

Value: 49.12%

Peer Median: 32.87%

#143 of 167 Bottom 15.0% in 500M-750M tier

139

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.48%

#139 of 167 Bottom 17.4% in 500M-750M tier