BlastPoint's Credit Union Scorecard
DUTCH POINT
Charter #60457 · CT
DUTCH POINT has 8 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 26.2% in tier
- + Wallet Share Momentum: Top 54.1% in tier
- + Organic Growth Engine: Top 54.4% in tier
- + Organic Growth Leader: Top 77.9% in tier
- + ROA 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
- + Loan Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 51.4% in tier
- - Credit Quality Pressure: Bottom 91.3% in tier
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Total Members: Bottom 6.7% in tier
- - Total Loans: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,399
+1.3% YoY+0.0% QoQ
|
-14.2K |
38,575
-4.8% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
Bottom 6.1% in tier |
| Assets |
$543.8M
+6.5% YoY+2.7% QoQ
|
$-77.9M |
$621.7M
+0.1% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$288.9M
+13.2% YoY+1.5% QoQ
|
$-140.9M |
$429.8M
-1.8% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 7.3% in tier |
| Deposits |
$481.8M
+6.4% YoY+2.7% QoQ
|
$-56.9M |
$538.7M
+0.6% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.0%
+68.4% YoY+13.5% QoQ
|
+0.3% |
0.7%
+42.9% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
2.9%
+24.4% YoY+1.8% QoQ
|
-0.6% |
3.4%
+8.0% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio |
71.0%
-10.6% YoY-1.9% QoQ
|
-6.5% |
77.5%
-4.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.2%
+21.1% YoY-49.3% QoQ
|
-0.7 |
0.8%
-1.1% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
60.0%
+6.4% YoY-1.2% QoQ
|
-19.9% |
79.8%
-2.3% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.7% in tier |
| AMR |
$31,587
+7.5% YoY+2.2% QoQ
|
+$5K |
$26,849
+2.7% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
81% |
| CD Concentration |
41.2%
+5.1% YoY-0.5% QoQ
|
+16.7% | 24.4% | 14.6% | 19.8% | Top 5.9% in tier |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)