BlastPoint's Credit Union Scorecard
PREMIER MEMBERS
Charter #62574 · CO
PREMIER MEMBERS has 5 strengths but faces 8 concerns
How does the industry compare?
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 166.0% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 0.1% in tier
- + Loan Growth Rate: Top 0.1% in tier
- + Deposit Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.3% in tier
- - Indirect Auto Dependency: Bottom 0.3% in tier
- - Efficiency Drag: Bottom 9.1% in tier
- - Credit Quality Pressure: Bottom 40.3% in tier
- - Shrinking Wallet Share: Bottom 99.5% in tier
- - ROA 0.47% below tier average
- - Efficiency ratio 15.19% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
209,548
+166.0% YoY+1.3% QoQ
|
-10.9K |
220,435
-7.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$4.2B
+133.5% YoY+2.9% QoQ
|
+$278.1M |
$3.9B
-1.5% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
62% |
| Loans |
$3.1B
+132.7% YoY+1.4% QoQ
|
+$176.8M |
$2.9B
-1.1% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
56% |
| Deposits |
$3.5B
+135.1% YoY+3.6% QoQ
|
+$235.3M |
$3.3B
-2.5% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
0.3%
+225.9% YoY-6.8% QoQ
|
-0.5% |
0.7%
+10.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.1% in tier |
| NIM |
3.0%
+14.9% YoY+12.8% QoQ
|
-0.2% |
3.2%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
36% |
| Efficiency Ratio |
86.5%
-2.6% YoY-1.7% QoQ
|
+15.2% |
71.3%
-2.6% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
0.4%
+20.0% YoY-6.4% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
86.9%
-1.0% YoY-2.2% QoQ
|
-1.1% |
88.0%
+0.9% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$31,511
-12.0% YoY+1.2% QoQ
|
+$839 |
$30,672
+5.5% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
27.5%
-2.8% YoY-1.0% QoQ
|
-1.4% | 28.8% | 26.7% | 19.8% | 45% |
| Indirect Auto % |
27.9%
+46.5% YoY+2.2% QoQ
|
+9.9% | 18.1% | 12.4% | 7.7% | 73% |
Signature Analysis
Strengths (0)
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)