BlastPoint's Credit Union Scorecard

EMPLOYEES

Charter #63299 · IA

1077 CUs in 100M-500M nationally 17 in IA

EMPLOYEES has 13 strengths but faces 5 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

+ Organic Growth Engine: Top 8.9% in tier
+ Organic Growth Leader: Top 21.3% in tier
+ Profitability Leader: Top 45.7% in tier
+ Emerging Performer: Top 56.3% in tier
+ Wallet Share Momentum: Top 78.8% in tier
+ ROA 0.70% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Efficiency Ratio: Top 0.5% in tier
+ Share Certificate Concentration (%): Top 2.0% in tier
+ Members Per Employee (MPE): Top 2.0% in tier
+ Net Worth Ratio: Top 3.7% in tier
+ Deposit Growth Rate: Top 4.5% in tier
+ Asset Growth Rate: Top 5.6% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 10.0% in tier
- Credit Quality Pressure: Bottom 17.3% in tier
- Liquidity Overhang: Bottom 21.8% in tier
- Delinquency rate 2.77% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	9,122 +1.8% YoY+0.4% QoQ	-6.5K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	24%
Assets	$190.1M +12.6% YoY+0.1% QoQ	$-41.2M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	48%
Loans	$89.3M -1.6% YoY-1.4% QoQ	$-58.5M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	29%
Deposits	$152.8M +14.2% YoY-0.3% QoQ	$-47.5M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	42%

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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	1.5% -13.3% YoY+2.6% QoQ	+0.7%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	Top 12.4% in tier
NIM	2.7% -2.3% YoY+1.8% QoQ	-0.8%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	Bottom 10.3% in tier
Efficiency Ratio	41.3% +0.2% YoY-2.2% QoQ	-36.0%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	Bottom 0.5% in tier
Delinquency Rate	3.6% +4.0% YoY+5.4% QoQ	+2.8	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	Top 1.3% in tier
Loan To Share	58.4% -13.8% YoY-1.1% QoQ	-14.3%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	19%
AMR	$26,534 +5.9% YoY-1.1% QoQ	+$2K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	71%
CD Concentration	1.5% +5.9% YoY+9.8% QoQ	-23.0%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#164 of 603 • Top 8.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.79%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.49%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

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

Organic Growth Leader

growth

#282 of 430 • Top 21.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.79%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Profitability Leader

growth

#156 of 340 • Top 45.7% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.49%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Emerging Performer

growth

#108 of 191 • Top 56.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.49%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.79%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#379 of 481 • Top 78.8% in tier

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

Why This Signature

AMR Growth (YoY): 5.94%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (3)

Margin Compression

decline

#43 of 136 • Bottom 10.0% 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: 1.49%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.72%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk

#429 of 736 • Bottom 17.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Overhang

risk

#30 of 134 • Bottom 21.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 19.27%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 58.42%

(Tier: 74.56%, National: 67.96%)

worse than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 41.31%

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 1.45%

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 608.133

Peer Avg: -

#23 of 1077 Top 2.0% in 100M-500M tier

Net Worth Ratio

risk

Value: 19.27%

Peer Avg: -

#41 of 1077 Top 3.7% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.18%

Peer Avg: -

#50 of 1077 Top 4.5% in 100M-500M tier

Asset Growth Rate

growth

Value: 12.58%

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

134

Return on Assets (ROA)

profitability

Value: 1.49%

Peer Avg: -

#134 of 1077 Top 12.3% in 100M-500M tier

270

First Mortgage Concentration (%)

balance_sheet

Value: 17.46%

Peer Avg: -

#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1064

Total Delinquency Rate (60+ days)

risk

Value: 3.62%

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

966

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

913

Fee Income Per Member

profitability

Value: $100.72

Peer Avg: -

#913 of 1077 Bottom 15.3% in 100M-500M tier

879

Net Charge-Off Rate

risk

Value: 0.73%

Peer Avg: -

#879 of 1077 Bottom 18.5% in 100M-500M tier

871

Loan-to-Share Ratio

balance_sheet

Value: 58.42%

Peer Avg: -

#871 of 1077 Bottom 19.2% in 100M-500M tier

824

Total Members

engagement

Value: 9,122

Peer Avg: -

#824 of 1077 Bottom 23.6% in 100M-500M tier