BlastPoint's Credit Union Scorecard
802
Charter #62983 · VT
802 has 13 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 3.1% in tier
- + Organic Growth Engine: Top 5.2% in tier
- + ROA 0.48% above tier average
- + Net Interest Margin 1.24% above tier average
- + Strong member growth: 22.4% YoY
- + Total Loans: Top 0.7% in tier
- + Total Members: Top 0.7% in tier
- + Total Assets: Top 0.7% in tier
- + Total Deposits: Top 0.9% in tier
- + Member Growth Rate: Top 2.0% in tier
- + Asset Growth Rate: Top 2.3% in tier
- + Loan Growth Rate: Top 2.9% in tier
- + Deposit Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 2.5% in tier
- - Cost Spiral: Bottom 24.4% in tier
- - Shrinking Wallet Share: Bottom 51.7% in tier
- - Delinquency rate 0.15% above tier average
- - AMR Growth Rate: Bottom 8.3% in tier
- - First Mortgage Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,490
+22.4% YoY+21.2% QoQ
|
+30.1K |
15,437
-2.9% YoY
|
32,371
+18.9% YoY
|
33,374
+5.7% YoY
|
Top 0.7% in tier |
| Assets |
$491.7M
+18.1% YoY+13.9% QoQ
|
+$259.8M |
$231.9M
+1.3% YoY
|
$513.7M
+19.9% YoY
|
$561.6M
+9.7% YoY
|
Top 0.8% in tier |
| Loans |
$376.3M
+21.7% YoY+13.0% QoQ
|
+$228.9M |
$147.3M
-0.1% YoY
|
$412.0M
+22.2% YoY
|
$397.0M
+8.8% YoY
|
Top 0.7% in tier |
| Deposits |
$427.7M
+17.5% YoY+14.3% QoQ
|
+$226.9M |
$200.8M
+0.8% YoY
|
$432.9M
+20.3% YoY
|
$477.3M
+9.7% YoY
|
Top 1.0% in tier |
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| ROA |
1.2%
-35.4% YoY-16.5% QoQ
|
+0.5% |
0.8%
+18.2% YoY
|
0.1%
-81.9% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.8%
-7.3% YoY-4.3% QoQ
|
+1.2% |
3.6%
+6.7% YoY
|
3.5%
-13.4% YoY
|
3.8%
+5.1% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
73.0%
+12.3% YoY+2.5% QoQ
|
-4.0% |
77.0%
-3.1% YoY
|
84.0%
+3.1% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
1.0%
-19.9% YoY+9.2% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.4%
+9.8% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
88.0%
+3.6% YoY-1.2% QoQ
|
+15.8% |
72.2%
-1.1% YoY
|
82.2%
-4.3% YoY
|
67.4%
-1.7% YoY
|
81% |
| AMR |
$17,672
-2.4% YoY-6.2% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$19,697
+1.5% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
13.8%
-0.9% YoY-2.3% QoQ
|
-10.6% | 24.4% | 23.0% | 19.8% | 50% |
| Indirect Auto % |
9.5%
-33.7% YoY-15.2% QoQ
|
-4.3% | 13.8% | 5.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)