BlastPoint's Credit Union Scorecard

FINANCIAL PLUS

Charter #62965 · IA

1069 CUs in 100M-500M nationally 17 in IA

FINANCIAL PLUS has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

IA Analysis

How does IA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 31.1% in tier
+ Wallet Share Momentum: Top 66.2% in tier
+ ROA 0.48% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 57.6% in tier
- Margin Compression: Bottom 59.8% in tier
- Credit Quality Pressure: Bottom 68.0% in tier
- Delinquency rate 0.04% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	11,712 -0.2% YoY-0.6% QoQ	-3.7K	15,437 -2.9% YoY	24,743 -0.2% YoY	33,374 +5.7% YoY	41%
Assets	$233.3M +6.8% YoY+2.3% QoQ	+$1.5M	$231.9M +1.3% YoY	$526.3M +6.5% YoY	$561.6M +9.7% YoY	59%
Loans	$168.4M +7.4% YoY+0.5% QoQ	+$21.1M	$147.3M -0.1% YoY	$422.1M +6.5% YoY	$397.0M +8.8% YoY	67%
Deposits	$199.3M +6.0% YoY+2.3% QoQ	$-1.5M	$200.8M +0.8% YoY	$432.9M +5.9% YoY	$477.3M +9.7% YoY	59%

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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	1.2% -9.5% YoY-0.3% QoQ	+0.5%	0.8% +18.2% YoY	0.9% +6.1% YoY	0.7% +15.9% YoY	81%
NIM	3.5% +1.2% YoY-1.0% QoQ	-0.1%	3.6% +6.7% YoY	3.9% +6.4% YoY	3.8% +5.1% YoY	46%
Efficiency Ratio	67.4% +0.1% YoY-0.3% QoQ	-9.6%	77.0% -3.1% YoY	74.3% -0.8% YoY	79.7% -3.3% YoY	19%
Delinquency Rate	0.9% +14.0% YoY+135.3% QoQ	+0.0	0.9% +4.2% YoY	1.4% +32.5% YoY	1.3% -2.1% YoY	65%
Loan To Share	84.5% +1.4% YoY-1.8% QoQ	+12.3%	72.2% -1.1% YoY	76.3% -0.8% YoY	67.4% -1.7% YoY	73%
AMR	$31,397 +6.8% YoY+2.0% QoQ	+$7K	$24,676 +3.4% YoY	$21,029 +4.7% YoY	$19,687 +2.0% YoY	Top 14.8% in tier
CD Concentration	15.1% +8.0% YoY+3.5% QoQ	-9.3%	24.4%	22.0%	19.8%	50%
Indirect Auto %	13.3% +22.4% YoY+3.3% QoQ	-0.5%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#84 of 268 • Top 31.1% 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): 6.82%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.9K

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

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#340 of 513 • Top 66.2% in tier

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

Why This Signature

AMR Growth (YoY): 6.82%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (3)

Credit Risk Growth

risk

#263 of 456 • Bottom 57.6% in tier

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

Why This Signature

Loan Growth (YoY): 7.44%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Margin Compression

decline

#74 of 123 • Bottom 59.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.24%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.37%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.13% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Credit Quality Pressure

risk

#480 of 705 • Bottom 68.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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)

135

Loan-to-Member Ratio (LMR)

engagement

Value: $14,382

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

158

Average Member Relationship (AMR)

engagement

Value: $31,397

Peer Median: -

#158 of 1069 Top 14.7% in 100M-500M tier

200

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: -

#200 of 1069 Top 18.6% in 100M-500M tier

206

Efficiency Ratio

profitability

Value: 67.41%

Peer Median: -

#206 of 1069 Top 19.2% in 100M-500M tier

211

Net Worth Ratio

risk

Value: 14.26%

Peer Median: -

#211 of 1069 Top 19.6% in 100M-500M tier

242

Share Certificate Concentration (%)

balance_sheet

Value: 15.10%

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

Top Weaknesses (0 metrics)

No weakness rankings available