BlastPoint's Credit Union Scorecard
ONE
Charter #63923 · VT
ONE has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.69% below tier average
- - Efficiency ratio 12.20% above tier (higher cost structure)
- - Delinquency rate 0.63% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 2 that size in Vermont.
- Shares and deposits -0.3% year over year ($245M in shares and deposits).
- Membership: 18,216 members, -1.9% vs a year ago.
- Delinquency rate 1.52%.
- Return on assets 0.18%.
- Efficiency ratio 88.93% vs a 76.73% peer average.
- Loan-to-share ratio 77.80% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,216
-1.9% YoY-0.2% QoQ
|
+3.0K |
15,168
-2.6% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
71% |
| Assets |
$263.6M
+0.4% YoY+0.1% QoQ
|
+$31.6M |
$232.0M
+0.7% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$190.9M
+0.0% YoY-0.4% QoQ
|
+$44.7M |
$146.3M
+0.2% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$245.4M
-0.3% YoY+0.0% QoQ
|
+$44.7M |
$200.7M
+0.2% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
0.2%
-17.3% YoY-19.4% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.2% in tier |
| NIM |
4.2%
+5.6% YoY+0.7% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
88.9%
+4.4% YoY-0.8% QoQ
|
+12.2% |
76.7%
-0.8% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate |
1.5%
+55.3% YoY+43.2% QoQ
|
+0.6 |
0.9%
+6.6% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 14.0% in tier |
| Loan To Share |
77.8%
+0.3% YoY-0.5% QoQ
|
+6.3% |
71.5%
-0.3% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
59% |
| AMR |
$23,953
+1.8% YoY+0.1% QoQ
|
$-1K |
$25,107
+3.2% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
21.8%
-7.6% YoY-2.9% QoQ
|
-2.8% | 24.6% | 23.4% | 20.0% | 50% |
| Indirect Auto % |
15.3%
-22.7% YoY-6.3% QoQ
|
+1.7% | 13.6% | 5.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)