BlastPoint's Credit Union Scorecard

ONE

Charter #63923 · VT

1069 CUs in 100M-500M nationally 3 in VT

ONE has 1 strength but faces 10 concerns

National Analysis

How does the industry compare?

VT Analysis

How does VT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.48% above tier average

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 47.6% in tier
- Membership Headwinds: Bottom 55.5% in tier
- Efficiency Drag: Bottom 80.1% in tier
- Flatlined Growth: Bottom 87.5% in tier
- Indirect Auto Dependency: Bottom 93.7% in tier
- ROA 0.36% below tier average
- Efficiency ratio 6.31% above tier (higher cost structure)
- Delinquency rate 0.29% above tier average
- Member decline: -2.4% YoY
- Net Worth Ratio: Bottom 2.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VT)	National Avg	Tier Percentile
Members	18,443 -2.4% YoY-0.6% QoQ	+3.0K	15,437 -2.9% YoY	32,371 +18.9% YoY	33,374 +5.7% YoY	70%
Assets	$261.1M +0.7% YoY+0.5% QoQ	+$29.3M	$231.9M +1.3% YoY	$513.7M +19.9% YoY	$561.6M +9.7% YoY	66%
Loans	$194.4M +1.6% YoY-0.3% QoQ	+$47.1M	$147.3M -0.1% YoY	$412.0M +22.2% YoY	$397.0M +8.8% YoY	74%
Deposits	$243.1M -0.1% YoY+0.8% QoQ	+$42.3M	$200.8M +0.8% YoY	$432.9M +20.3% YoY	$477.3M +9.7% YoY	69%

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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	0.4% -454.5% YoY+2.4% QoQ	-0.4%	0.8% +18.2% YoY	0.1% -81.9% YoY	0.7% +15.9% YoY	25%
NIM	4.1% +16.1% YoY+1.0% QoQ	+0.5%	3.6% +6.7% YoY	3.5% -13.4% YoY	3.8% +5.1% YoY	76%
Efficiency Ratio	83.3% -4.6% YoY-0.2% QoQ	+6.3%	77.0% -3.1% YoY	84.0% +3.1% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	1.2% -5.6% YoY+67.4% QoQ	+0.3	0.9% +4.2% YoY	1.4% +9.8% YoY	1.3% -2.1% YoY	78%
Loan To Share	80.0% +1.7% YoY-1.1% QoQ	+7.8%	72.2% -1.1% YoY	82.2% -4.3% YoY	67.4% -1.7% YoY	64%
AMR	$23,723 +3.1% YoY+0.9% QoQ	$-953	$24,676 +3.4% YoY	$19,697 +1.5% YoY	$19,687 +2.0% YoY	56%
CD Concentration	23.5% -12.3% YoY-0.4% QoQ	-0.9%	24.4%	23.0%	19.8%	50%
Indirect Auto %	17.5% -29.6% YoY-4.6% QoQ	+3.7%	13.8%	5.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#264 of 554 • Bottom 47.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.63%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.18%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#308 of 554 • Bottom 55.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#431 of 538 • Bottom 80.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.33%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.52% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY

Flatlined Growth

risk

#36 of 41 • Bottom 87.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.73%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.41%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Indirect Auto Dependency

risk

#474 of 506 • Bottom 93.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 0.73%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 17.48%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.37%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (1 metrics)

252

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: -

#252 of 1069 Top 23.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1040

Net Worth Ratio

risk

Value: 7.78%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

890

Deposit Growth Rate

growth

Value: -0.10%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

872

Asset Growth Rate

growth

Value: 0.73%

Peer Median: -

#872 of 1069 Bottom 18.5% in 100M-500M tier

840

Net Charge-Off Rate

risk

Value: 0.68%

Peer Median: -

#840 of 1069 Bottom 21.5% in 100M-500M tier

833

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Median: -

#833 of 1069 Bottom 22.2% in 100M-500M tier

816

Member Growth Rate

growth

Value: -2.37%

Peer Median: -

#816 of 1069 Bottom 23.8% in 100M-500M tier

803

Return on Assets (ROA)

profitability

Value: 0.41%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier