BlastPoint's Credit Union Scorecard

METRUM COMMUNITY

Charter #62422 · CO

1077 CUs in 100M-500M nationally 26 in CO

METRUM COMMUNITY has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 20.5% in tier
+ Emerging Performer: Top 55.8% in tier
+ Credit Quality Leader: Top 56.9% in tier
+ Relationship Depth Leader: Top 94.5% in tier
+ Net Interest Margin 0.03% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.8% in tier
- ROA 0.00% below tier average
- Total Deposits: Bottom 4.1% in tier
- Indirect Auto Concentration (%): Bottom 4.4% in tier
- Total Assets: Bottom 4.4% in tier
- Share Certificate Concentration (%): Bottom 4.6% in tier
- Total Members: Bottom 5.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	5,777 +3.8% YoY+0.7% QoQ	-9.9K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	Bottom 5.0% in tier
Assets	$106.5M +2.8% YoY+0.7% QoQ	$-124.8M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	Bottom 4.3% in tier
Loans	$79.6M +9.3% YoY+2.8% QoQ	$-68.2M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	22%
Deposits	$91.5M +2.2% YoY+0.5% QoQ	$-108.8M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	Bottom 4.0% in tier

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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	0.8% +62.6% YoY+5.1% QoQ	-0.0%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	52%
NIM	3.6% +13.4% YoY+3.2% QoQ	+0.0%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	52%
Efficiency Ratio	75.4% -4.0% YoY-0.8% QoQ	-1.9%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	44%
Delinquency Rate	0.3% -23.4% YoY+8.1% QoQ	-0.6	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Bottom 14.9% in tier
Loan To Share	87.0% +7.0% YoY+2.3% QoQ	+14.3%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	79%
AMR	$29,604 +1.5% YoY+0.8% QoQ	+$5K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	82%
CD Concentration	42.7% +5.7% YoY+2.9% QoQ	+18.3%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	47.4% +7.5% YoY+2.9% QoQ	+33.4%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#377 of 603 • Top 20.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.77%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.79%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 47.38%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

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

Emerging Performer

growth

#107 of 191 • Top 55.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.79%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.77%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Credit Quality Leader

growth

#194 of 340 • Top 56.9% in tier

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

Why This Signature

Delinquency Rate: 0.25%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.08% points

(Tier: 0.04% points, National: 0.07% 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

#243 of 257 • Top 94.5% 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): 1.52%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $1.9K

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

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#207 of 525 • Bottom 12.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.75%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 47.38%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 3.77%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 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 1077 peers in tier

Top Strengths (6 metrics)

152

Member Growth Rate

growth

Value: 3.77%

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

152

Loan-to-Member Ratio (LMR)

engagement

Value: $13,771

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

161

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

189

Loan Growth Rate

growth

Value: 9.27%

Peer Avg: -

#189 of 1077 Top 17.5% in 100M-500M tier

190

Average Member Relationship (AMR)

engagement

Value: $29,604

Peer Avg: -

#190 of 1077 Top 17.5% in 100M-500M tier

229

Loan-to-Share Ratio

balance_sheet

Value: 86.97%

Peer Avg: -

#229 of 1077 Top 21.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1034

Total Deposits

balance_sheet

Value: $91.47M

Peer Avg: -

#1034 of 1077 Bottom 4.1% in 100M-500M tier

1031

Indirect Auto Concentration (%)

balance_sheet

Value: 47.38%

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

1031

Total Assets

balance_sheet

Value: $106.47M

Peer Avg: -

#1031 of 1077 Bottom 4.4% in 100M-500M tier

1028

Share Certificate Concentration (%)

balance_sheet

Value: 42.67%

Peer Avg: -

#1028 of 1077 Bottom 4.6% in 100M-500M tier

1023

Total Members

engagement

Value: 5,777

Peer Avg: -

#1023 of 1077 Bottom 5.1% in 100M-500M tier

842

Total Loans

balance_sheet

Value: $79.55M

Peer Avg: -

#842 of 1077 Bottom 21.9% in 100M-500M tier

809

Fee Income Per Member

profitability

Value: $117.87

Peer Avg: -

#809 of 1077 Bottom 25.0% in 100M-500M tier