BlastPoint's Credit Union Scorecard
SOOPER CU DBA CLIMB CU
Charter #62776 · CO
SOOPER CU DBA CLIMB CU has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 44.2% in tier
- + Wallet Share Momentum: Top 87.7% in tier
- + Organic Growth Engine: Top 94.4% 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 11.0% in tier
- - Indirect Auto Dependency: Bottom 59.8% 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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| 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
|
Top 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 (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)