BlastPoint's Credit Union Scorecard

802

Charter #62983 · VT

Community 500M-750M

167 CUs in 500M-750M nationally 1 in VT

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802 has 8 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

VT Analysis

How does VT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 3.1% in tier
+ Organic Growth Engine: Top 3.1% in tier
+ Wallet Share Momentum: Top 34.8% in tier
+ ROA 0.50% above tier average
+ Net Interest Margin 1.46% above tier average
+ Strong member growth: 13.1% YoY
+ Member Growth Rate: Top 1.2% in tier
+ Asset Growth Rate: Top 1.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 3.2% in tier
- Cost Spiral: Bottom 16.8% in tier
- Margin Compression: Bottom 20.2% in tier
- Credit Quality Pressure: Bottom 34.9% in tier
- Delinquency rate 0.55% above tier average
- Total Assets: Bottom 0.6% in tier
- Total Deposits: Bottom 6.6% in tier
- First Mortgage Concentration (%): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	42,126 +13.1% YoY-7.4% QoQ	+4.0K	38,079 -4.8% YoY	34,947 +27.0% YoY	33,913 +5.7% YoY	64%
Assets	$500.3M +17.4% YoY+1.8% QoQ	$-119.4M	$619.7M -0.2% YoY	$561.0M +28.1% YoY	$578.3M +9.0% YoY	Bottom 0.1% in tier
Loans	$378.7M +21.5% YoY+0.6% QoQ	$-40.7M	$419.3M -1.4% YoY	$444.4M +31.6% YoY	$402.4M +8.7% YoY	30%
Deposits	$434.4M +16.9% YoY+1.6% QoQ	$-105.0M	$539.5M -0.1% YoY	$477.2M +28.5% YoY	$494.3M +9.1% YoY	Bottom 6.0% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% -24.6% YoY-4.1% QoQ	+0.5%	0.7% +36.0% YoY	-0.0% -100.2% YoY	0.4% -39.2% YoY	84%
NIM	4.9% -1.9% YoY+1.8% QoQ	+1.5%	3.5% +4.5% YoY	4.2% +0.1% YoY	3.8% +4.1% YoY	Top 2.4% in tier
Efficiency Ratio	74.6% +7.6% YoY+2.2% QoQ	-3.8%	78.4% -3.7% YoY	97.1% +12.1% YoY	84.6% +2.8% YoY	29%
Delinquency Rate	1.3% +10.0% YoY+20.4% QoQ	+0.6	0.7% -0.9% YoY	1.6% +62.8% YoY	1.2% +3.4% YoY	Bottom 12.6% in tier
Loan To Share	87.2% +4.0% YoY-0.9% QoQ	+9.5%	77.7% -1.2% YoY	82.0% -1.5% YoY	65.6% -1.4% YoY	74%
AMR	$19,302 +5.2% YoY+9.2% QoQ	$-8K	$26,927 +3.1% YoY	$18,239 -7.1% YoY	$19,920 +1.6% YoY	Bottom 8.4% in tier
CD Concentration	14.1% +5.2% YoY+1.6% QoQ	-10.2%	24.3%	21.8%	19.8%	16%
Indirect Auto %	9.2% -31.0% YoY-2.8% QoQ	-4.6%	13.8%	5.5%	7.7%	52%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#21 of 371 • Top 3.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 13.06%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.21%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#46 of 352 • Top 3.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 13.06%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.19%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 9.21%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#464 of 491 • Top 34.8% in tier

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

Why This Signature

AMR Growth (YoY): 5.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#16 of 133 • Bottom 20.2% 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: 1.19%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.58%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Risk Growth

risk

#104 of 476 • Bottom 3.2% in tier

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

Why This Signature

Loan Growth (YoY): 21.50%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#466 of 727 • Bottom 34.9% 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: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Cost Spiral

risk

#76 of 83 • Bottom 16.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.27% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 61.16%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

83 of 284 Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 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 167 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 13.06%

Peer Median: 1.03%

#3 of 167 Top 1.2% in 500M-750M tier

Asset Growth Rate

growth

Value: 17.40%

Peer Median: 4.66%

#3 of 167 Top 1.2% in 500M-750M tier

Deposit Growth Rate

growth

Value: 16.85%

Peer Median: 4.02%

#3 of 167 Top 1.2% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.93%

Peer Median: 3.48%

#4 of 167 Top 1.8% in 500M-750M tier

Loan Growth Rate

growth

Value: 21.50%

Peer Median: 4.25%

#7 of 167 Top 3.6% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 14.06%

Peer Median: 26.29%

#7 of 167 Top 3.6% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.19%

Peer Median: 0.61%

#27 of 167 Top 15.6% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.45%

Peer Median: 10.35%

#37 of 167 Top 21.6% in 500M-750M tier

Top Weaknesses (7 metrics)

167

Total Assets

balance_sheet

Value: $500.29M

Peer Median: $619.16M

#167 of 167 Bottom 0.6% in 500M-750M tier

157

Total Deposits

balance_sheet

Value: $434.44M

Peer Median: $543.36M

#157 of 167 Bottom 6.6% in 500M-750M tier

153

First Mortgage Concentration (%)

balance_sheet

Value: 54.55%

Peer Median: 32.87%

#153 of 167 Bottom 9.0% in 500M-750M tier

153

Average Member Relationship (AMR)

engagement

Value: $19,302

Peer Median: $25,600

#153 of 167 Bottom 9.0% in 500M-750M tier

147

Total Delinquency Rate (60+ days)

risk

Value: 1.26%

Peer Median: 0.62%

#147 of 167 Bottom 12.6% in 500M-750M tier

137

Fee Income Per Member

profitability

Value: $127.10

Peer Median: $178.80

#137 of 167 Bottom 18.6% in 500M-750M tier

128

Loan-to-Member Ratio (LMR)

engagement

Value: $8,989

Peer Median: $11,231

#128 of 167 Bottom 24.0% in 500M-750M tier