BlastPoint's Credit Union Scorecard
802
Charter #62983 · VT
802 has 10 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 14.9% in tier
- + Organic Growth Leader: Top 23.8% in tier
- + Profitability Leader: Top 46.6% in tier
- + Wallet Share Momentum: Top 62.9% in tier
- + ROA 0.70% above tier average
- + Net Interest Margin 1.47% above tier average
- + Total Members: Top 2.4% in tier
- + Total Loans: Top 2.8% in tier
- + Total Deposits: Top 6.2% in tier
- + Total Assets: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 0.0% in tier
- - Cost Spiral: Bottom 6.2% in tier
- - Delinquency rate 0.10% above tier average
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
37,546
+1.4% YoY+0.7% QoQ
|
+21.9K |
15,628
-3.4% YoY
|
29,911
+10.3% YoY
|
33,089
+6.1% YoY
|
Top 2.5% in tier |
| Assets |
$431.7M
+7.0% YoY+0.9% QoQ
|
+$200.4M |
$231.3M
-0.0% YoY
|
$474.3M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
Top 6.6% in tier |
| Loans |
$333.0M
+10.4% YoY+3.5% QoQ
|
+$185.2M |
$147.8M
-1.4% YoY
|
$376.7M
+12.8% YoY
|
$388.7M
+8.6% YoY
|
Top 2.9% in tier |
| Deposits |
$374.1M
+6.2% YoY+0.6% QoQ
|
+$173.8M |
$200.3M
-0.0% YoY
|
$399.6M
+12.0% YoY
|
$464.6M
+9.3% YoY
|
Top 6.3% in tier |
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| ROA |
1.5%
-31.6% YoY-3.0% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.8%
+14.5% YoY
|
0.7%
+273.4% YoY
|
Top 12.7% in tier |
| NIM |
5.1%
-3.9% YoY+0.4% QoQ
|
+1.5% |
3.6%
+6.9% YoY
|
4.2%
+0.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.3% in tier |
| Efficiency Ratio |
71.2%
+14.2% YoY+1.5% QoQ
|
-6.1% |
77.3%
-3.0% YoY
|
78.8%
-0.4% YoY
|
79.1%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.0%
-25.0% YoY+5.0% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.4%
+18.2% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
89.0%
+4.0% YoY+2.8% QoQ
|
+16.3% |
72.7%
-1.5% YoY
|
82.0%
-5.1% YoY
|
68.0%
-1.7% YoY
|
83% |
| AMR |
$18,833
+6.7% YoY+1.3% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$19,091
-0.7% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
14.2%
-1.5% YoY+8.4% QoQ
|
-10.2% |
24.4%
+4.2% YoY
|
22.7%
-1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
11.2%
-26.8% YoY-11.5% QoQ
|
-2.8% |
14.0%
-5.7% YoY
|
4.9%
-7.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)