BlastPoint's Credit Union Scorecard

BLUPEAK

Charter #60801 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

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BLUPEAK has 2 strengths but faces 16 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 24.5% in tier
+ Total Delinquency Rate (60+ days): Top 5.9% in tier

Key Concerns

Areas that may need attention

- Accelerating Exit Risk: Bottom 4.5% in tier
- Shrinking Wallet Share: Bottom 4.6% in tier
- Membership Headwinds: Bottom 8.8% in tier
- Institutional Decline: Bottom 8.8% in tier
- Efficiency Drag: Bottom 15.2% in tier
- Credit Quality Pressure: Bottom 17.0% in tier
- Stagnation Risk: Bottom 17.6% in tier
- ROA 0.50% below tier average
- Efficiency ratio 21.80% above tier (higher cost structure)
- Member decline: -4.7% YoY
- Asset Growth Rate: Bottom 1.6% in tier
- Deposit Growth Rate: Bottom 1.6% in tier
- Loan Growth Rate: Bottom 3.0% in tier
- AMR Growth Rate: Bottom 4.6% in tier
- Member Growth Rate: Bottom 7.6% in tier
- Total Members: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	53,604 -4.7% YoY-0.9% QoQ	-45.1K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 9.5% in tier
Assets	$1.1B -10.8% YoY-2.4% QoQ	$-576.9M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	16%
Loans	$761.6M -9.3% YoY-1.7% QoQ	$-471.4M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 11.2% in tier
Deposits	$1.0B -11.9% YoY-3.0% QoQ	$-408.9M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	23%

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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	0.2% -129.6% YoY-9.0% QoQ	-0.5%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 8.9% in tier
NIM	2.8% +21.4% YoY+3.4% QoQ	-0.5%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	19%
Efficiency Ratio	95.8% -4.7% YoY-1.9% QoQ	+21.8%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 1.0% in tier
Delinquency Rate	0.2% +71.9% YoY-14.6% QoQ	-0.6	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 5.9% in tier
Loan To Share	72.9% +3.0% YoY+1.4% QoQ	-12.3%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	18%
AMR	$33,711 -6.4% YoY-1.6% QoQ	+$5K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	80%
CD Concentration	22.5% +0.7% YoY-6.3% QoQ	-6.5%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	21%
Indirect Auto %	1.7% +132.9% YoY+41.5% QoQ	-17.1%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	20%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#24 of 95 • Top 24.5% in tier

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

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.10% points

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

but worse than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Concerns (7)

Accelerating Exit Risk

decline

#3 of 13 • Bottom 4.5% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -4.74%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

AMR Growth (YoY): -6.39%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

13 of 380 Mid-Market CUs have this signature | 73 nationally

↓ Shrinking -8 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#15 of 83 • Bottom 4.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -6.39%

(Tier: 3.04%, National: 4.19%)

worse than tier avg

83 of 380 Mid-Market CUs have this signature | 346 nationally

↓ Shrinking -55 CUs YoY | Rank improving

Membership Headwinds

decline

#22 of 85 • Bottom 8.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.74%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Institutional Decline

decline

#10 of 31 • Bottom 8.8% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.14B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -4.74%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.28%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Efficiency Drag

risk

#51 of 96 • Bottom 15.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 95.77%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.90% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -4.74%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 CUs YoY

Credit Quality Pressure

risk

#131 of 217 • Bottom 17.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.10% points

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

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Stagnation Risk

risk

#43 of 85 • Bottom 17.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.74%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -9.28%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 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 304 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Avg: -

#19 of 304 Top 5.9% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 454.271

Peer Avg: -

#41 of 304 Top 13.2% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,711

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.66%

Peer Avg: -

#65 of 304 Top 21.1% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.49%

Peer Avg: -

#70 of 304 Top 22.7% in 1B-3B tier

Top Weaknesses (17 metrics)

302

Efficiency Ratio

profitability

Value: 95.77%

Peer Avg: -

#302 of 304 Bottom 1.0% in 1B-3B tier

300

Asset Growth Rate

growth

Value: -10.81%

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

300

Deposit Growth Rate

growth

Value: -11.92%

Peer Avg: -

#300 of 304 Bottom 1.6% in 1B-3B tier

296

Loan Growth Rate

growth

Value: -9.28%

Peer Avg: -

#296 of 304 Bottom 3.0% in 1B-3B tier

291

AMR Growth Rate

growth

Value: -6.39%

Peer Avg: -

#291 of 304 Bottom 4.6% in 1B-3B tier

282

Member Growth Rate

growth

Value: -4.74%

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

277

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Avg: -

#277 of 304 Bottom 9.2% in 1B-3B tier

275

Total Members

engagement

Value: 53,604

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

270

Total Loans

balance_sheet

Value: $761.64M

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier

261

Net Worth Ratio

risk

Value: 9.16%

Peer Avg: -

#261 of 304 Bottom 14.5% in 1B-3B tier