BlastPoint's Credit Union Scorecard

METRUM COMMUNITY

Charter #62422 · CO

1069 CUs in 100M-500M nationally 26 in CO

METRUM COMMUNITY has 4 strengths but faces 6 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 54.5% in tier
+ Emerging Performer: Top 56.4% in tier
+ ROA 0.09% above tier average
+ Net Interest Margin 0.00% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 47.3% in tier
- Indirect Auto Concentration (%): Bottom 4.1% in tier
- Share Certificate Concentration (%): Bottom 4.8% in tier
- Total Members: Bottom 5.1% in tier
- Total Deposits: Bottom 5.5% in tier
- Total Assets: Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	5,786 +3.8% YoY+0.2% QoQ	-9.7K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	Bottom 5.1% in tier
Assets	$108.9M +2.6% YoY+2.2% QoQ	$-123.0M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	Bottom 6.0% in tier
Loans	$79.9M +8.4% YoY+0.5% QoQ	$-67.4M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	22%
Deposits	$93.4M +1.8% YoY+2.1% QoQ	$-107.4M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	Bottom 5.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +51.2% YoY+8.7% QoQ	+0.1%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	58%
NIM	3.6% +12.7% YoY-0.2% QoQ	+0.0%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	50%
Efficiency Ratio	74.5% -2.3% YoY-1.1% QoQ	-2.5%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	39%
Delinquency Rate	0.3% -10.7% YoY+20.2% QoQ	-0.6	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	16%
Loan To Share	85.6% +6.5% YoY-1.6% QoQ	+13.3%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	76%
AMR	$29,962 +0.9% YoY+1.2% QoQ	+$5K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	82%
CD Concentration	42.7% +4.8% YoY+0.0% QoQ	+18.3%	24.4%	26.2%	19.8%	50%
Indirect Auto %	47.1% +6.7% YoY-0.5% QoQ	+33.3%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#325 of 595 • Top 54.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.86%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 47.12%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#103 of 182 • Top 56.4% 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: 0.86%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.82%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (1)

Indirect Auto Dependency

risk

#240 of 506 • Bottom 47.3% in tier

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

Why This Signature

Asset Growth (YoY): 2.62%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 47.12%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.82%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (6 metrics)

155

Member Growth Rate

growth

Value: 3.82%

Peer Median: -

#155 of 1069 Top 14.4% in 100M-500M tier

157

Loan-to-Member Ratio (LMR)

engagement

Value: $13,816

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

170

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: -

#170 of 1069 Top 15.8% in 100M-500M tier

194

Average Member Relationship (AMR)

engagement

Value: $29,962

Peer Median: -

#194 of 1069 Top 18.1% in 100M-500M tier

238

Loan Growth Rate

growth

Value: 8.39%

Peer Median: -

#238 of 1069 Top 22.2% in 100M-500M tier

258

Loan-to-Share Ratio

balance_sheet

Value: 85.57%

Peer Median: -

#258 of 1069 Top 24.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1026

Indirect Auto Concentration (%)

balance_sheet

Value: 47.12%

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

1019

Share Certificate Concentration (%)

balance_sheet

Value: 42.69%

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

1015

Total Members

engagement

Value: 5,786

Peer Median: -

#1015 of 1069 Bottom 5.1% in 100M-500M tier

1011

Total Deposits

balance_sheet

Value: $93.42M

Peer Median: -

#1011 of 1069 Bottom 5.5% in 100M-500M tier

1005

Total Assets

balance_sheet

Value: $108.85M

Peer Median: -

#1005 of 1069 Bottom 6.1% in 100M-500M tier

831

Total Loans

balance_sheet

Value: $79.94M

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier

806

Fee Income Per Member

profitability

Value: $119.62

Peer Median: -

#806 of 1069 Bottom 24.7% in 100M-500M tier

803

AMR Growth Rate

growth

Value: 0.89%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier