BlastPoint's Credit Union Scorecard

SOOPER CU DBA CLIMB CU

Charter #62776 · CO

Community 500M-750M

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

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SOOPER CU DBA CLIMB CU has 5 strengths but faces 7 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

+ Organic Growth Engine: Top 31.3% in tier
+ Relationship Depth Leader: Top 93.4% in tier
+ Net Interest Margin 0.69% above tier average
+ Total Loans: Top 4.7% in tier
+ Loan-to-Share Ratio: Top 9.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.9% in tier
- Credit Quality Pressure: Bottom 21.3% in tier
- Indirect Auto Dependency: Bottom 25.7% in tier
- Credit Risk Growth: Bottom 28.5% in tier
- ROA 0.55% below tier average
- Delinquency rate 0.85% above tier average
- Net Charge-Off Rate: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	40,677 +2.2% YoY+0.5% QoQ	+924	39,752 -2.7% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	58%
Assets	$678.1M +1.0% YoY+0.6% QoQ	+$55.7M	$622.4M +0.3% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	71%
Loans	$582.8M +0.7% YoY-1.2% QoQ	+$146.8M	$435.9M -0.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	Top 5.3% in tier
Deposits	$592.3M +7.4% YoY+0.6% QoQ	+$54.3M	$538.0M +1.3% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	75%

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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% -88.3% YoY-20.7% QoQ	-0.5%	0.7% +33.9% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Bottom 10.7% in tier
NIM	4.1% -4.6% YoY+3.1% QoQ	+0.7%	3.4% +8.6% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	Top 10.1% in tier
Efficiency Ratio	77.8% +10.7% YoY-3.2% QoQ	-0.3%	78.1% -3.4% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	46%
Delinquency Rate	1.6% +4.9% YoY+25.7% QoQ	+0.9	0.8% -4.9% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Top 10.1% in tier
Loan To Share	98.4% -6.3% YoY-1.7% QoQ	+17.4%	81.0% -1.8% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	Top 10.1% in tier
AMR	$28,889 +1.7% YoY-0.9% QoQ	+$2K	$26,482 +2.6% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	72%
CD Concentration	31.2% -13.6% YoY-7.8% QoQ	+6.8%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	74%
Indirect Auto %	30.4% -13.7% YoY-4.4% QoQ	+16.5%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	83%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#575 of 603 • Top 31.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.25%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.11%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 30.43%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

917 nationally

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

Relationship Depth Leader

growth

#240 of 257 • Top 93.4% 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): 1.67%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $2.5K

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

but worse than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#124 of 258 • Bottom 15.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.38%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.65%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#529 of 736 • Bottom 21.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#414 of 525 • Bottom 25.7% in tier

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

Why This Signature

Asset Growth (YoY): 1.00%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 30.43%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 2.25%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Credit Risk Growth

risk

#428 of 446 • Bottom 28.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.65%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 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 169 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $582.76M

Peer Avg: -

#9 of 169 Top 4.7% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.12%

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.38%

Peer Avg: -

#17 of 169 Top 9.5% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 15.35%

Peer Avg: -

#19 of 169 Top 10.7% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $14,327

Peer Avg: -

#31 of 169 Top 17.8% in 500M-750M tier

Total Deposits

balance_sheet

Value: $592.34M

Peer Avg: -

#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (4 metrics)

156

Net Charge-Off Rate

risk

Value: 1.11%

Peer Avg: -

#156 of 169 Bottom 8.3% in 500M-750M tier

153

Total Delinquency Rate (60+ days)

risk

Value: 1.65%

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

151

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Avg: -

#151 of 169 Bottom 11.2% in 500M-750M tier

138

Indirect Auto Concentration (%)

balance_sheet

Value: 30.43%

Peer Avg: -

#138 of 169 Bottom 18.9% in 500M-750M tier