BlastPoint's Credit Union Scorecard

SOOPER CU DBA CLIMB CU

Charter #62776 · CO

Community 500M-750M

165 CUs in 500M-750M nationally 2 in CO

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SOOPER CU DBA CLIMB CU has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 33.6% in tier
+ Wallet Share Momentum: Top 33.6% in tier
+ Net Interest Margin 0.64% above tier average
+ Total Loans: Top 0.6% in tier
+ Loan-to-Share Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.4% in tier
- Indirect Auto Dependency: Bottom 44.6% in tier
- ROA 0.57% below tier average
- Efficiency ratio 0.46% above tier (higher cost structure)
- Delinquency rate 0.79% above tier average
- Total Delinquency Rate (60+ days): Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	41,071 +2.2% YoY+1.0% QoQ	+2.5K	38,575 -4.8% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	61%
Assets	$694.8M +5.4% YoY+2.5% QoQ	+$73.1M	$621.7M +0.1% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	78%
Loans	$620.8M +8.0% YoY+6.5% QoQ	+$191.0M	$429.8M -1.8% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	Top 1.2% in tier
Deposits	$608.9M +8.0% YoY+2.8% QoQ	+$70.2M	$538.7M +0.6% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	79%

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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	0.1% -88.5% YoY-23.0% QoQ	-0.6%	0.7% +42.9% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	Bottom 9.1% in tier
NIM	4.1% -6.1% YoY-0.8% QoQ	+0.6%	3.4% +8.0% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	Top 10.9% in tier
Efficiency Ratio	78.0% +8.7% YoY+0.2% QoQ	+0.5%	77.5% -4.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	1.6% -8.8% YoY-0.8% QoQ	+0.8	0.8% -1.1% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Bottom 9.7% in tier
Loan To Share	101.9% +0.0% YoY+3.6% QoQ	+22.1%	79.8% -2.3% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	Top 4.2% in tier
AMR	$29,941 +5.6% YoY+3.6% QoQ	+$3K	$26,849 +2.7% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	73%
CD Concentration	31.8% -8.6% YoY+1.6% QoQ	+7.3%	24.4%	26.2%	19.8%	76%
Indirect Auto %	27.1% -22.5% YoY-11.0% QoQ	+13.3%	13.8%	12.2%	7.8%	80%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#119 of 268 • Top 33.6% 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): 5.63%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $2.5K

(Tier: $2.9K, National: $2.0K)

but worse than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#450 of 513 • Top 33.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.63%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Liquidity Strain

risk

#26 of 228 • Bottom 2.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 101.95%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 8.03%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#303 of 506 • Bottom 44.6% in tier

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

Why This Signature

Asset Growth (YoY): 5.43%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 27.07%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 2.24%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

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 165 peers in tier

Top Strengths (8 metrics)

Total Loans

balance_sheet

Value: $620.79M

Peer Median: -

#2 of 165 Top 0.6% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 101.95%

Peer Median: -

#7 of 165 Top 3.6% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: -

#18 of 165 Top 10.3% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 18.07%

Peer Median: -

#26 of 165 Top 15.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,115

Peer Median: -

#26 of 165 Top 15.2% in 500M-750M tier

Deposit Growth Rate

growth

Value: 7.98%

Peer Median: -

#35 of 165 Top 20.6% in 500M-750M tier

Total Deposits

balance_sheet

Value: $608.92M

Peer Median: -

#35 of 165 Top 20.6% in 500M-750M tier

Total Assets

balance_sheet

Value: $694.78M

Peer Median: -

#37 of 165 Top 21.8% in 500M-750M tier

Top Weaknesses (4 metrics)

150

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Median: -

#150 of 165 Bottom 9.7% in 500M-750M tier

150

Total Delinquency Rate (60+ days)

risk

Value: 1.64%

Peer Median: -

#150 of 165 Bottom 9.7% in 500M-750M tier

143

Net Charge-Off Rate

risk

Value: 1.00%

Peer Median: -

#143 of 165 Bottom 13.9% in 500M-750M tier

130

Indirect Auto Concentration (%)

balance_sheet

Value: 27.07%

Peer Median: -

#130 of 165 Bottom 21.8% in 500M-750M tier