BlastPoint's Credit Union Scorecard

ADVANTAGE

Charter #64030 · IA

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

ADVANTAGE has 4 strengths but faces 11 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

+ Profitability Leader: Top 19.8% in tier
+ ROA 1.01% above tier average
+ Net Interest Margin 1.77% above tier average
+ Efficiency Ratio: Top 5.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 1.4% in tier
- Deposit Outflow: Bottom 38.8% in tier
- Delinquency rate 1.83% above tier average
- Loan Growth Rate: Bottom 0.6% in tier
- Deposit Growth Rate: Bottom 0.6% in tier
- Asset Growth Rate: Bottom 0.9% in tier
- AMR Growth Rate: Bottom 1.2% in tier
- Total Deposits: Bottom 1.9% in tier
- Total Assets: Bottom 2.0% in tier
- Total Delinquency Rate (60+ days): Bottom 3.1% in tier
- Net Charge-Off Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	7,198 -0.4% YoY-0.7% QoQ	-8.4K	15,628 -3.4% YoY	24,664 +0.3% YoY	33,089 +6.1% YoY	Bottom 11.4% in tier
Assets	$103.2M -9.3% YoY-1.2% QoQ	$-128.1M	$231.3M -0.0% YoY	$515.3M +7.1% YoY	$547.7M +7.8% YoY	Bottom 1.9% in tier
Loans	$66.3M -17.2% YoY-4.8% QoQ	$-81.4M	$147.8M -1.4% YoY	$418.6M +8.3% YoY	$388.7M +8.6% YoY	Bottom 13.0% in tier
Deposits	$87.7M -11.0% YoY-2.1% QoQ	$-112.6M	$200.3M -0.0% YoY	$421.4M +6.5% YoY	$464.6M +9.3% YoY	Bottom 1.9% in tier

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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	1.8% -336.4% YoY+6.4% QoQ	+1.0%	0.8% +15.5% YoY	1.0% +0.3% YoY	0.7% +273.4% YoY	Top 5.7% in tier
NIM	5.4% +4.9% YoY+0.6% QoQ	+1.8%	3.6% +6.9% YoY	3.8% +3.9% YoY	3.7% +5.0% YoY	Top 1.4% in tier
Efficiency Ratio	57.8% -6.9% YoY-0.0% QoQ	-19.5%	77.3% -3.0% YoY	72.0% +0.4% YoY	79.1% -3.3% YoY	Bottom 5.8% in tier
Delinquency Rate	2.7% -46.8% YoY-25.6% QoQ	+1.8	0.9% +7.6% YoY	1.2% -5.8% YoY	1.2% -0.9% YoY	Top 3.1% in tier
Loan To Share	75.6% -7.0% YoY-2.7% QoQ	+2.9%	72.7% -1.5% YoY	77.1% -1.2% YoY	68.0% -1.7% YoY	53%
AMR	$21,405 -13.4% YoY-2.6% QoQ	$-3K	$24,363 +2.9% YoY	$20,702 +4.3% YoY	$19,418 +1.3% YoY	44%
CD Concentration	12.2% -42.7% YoY+10.5% QoQ	-12.2%	24.4% +4.2% YoY	22.0% +1.0% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	13.7% -36.9% YoY-11.8% QoQ	-0.2%	14.0% -5.7% YoY	9.3% -2.2% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Profitability Leader

growth

#68 of 340 • Top 19.8% in tier

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

Why This Signature

Return on Assets: 1.79%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 2.55% points

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

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (2)

Shrinking Wallet Share

decline

#15 of 244 • Bottom 1.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -13.41%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Deposit Outflow

decline

#32 of 81 • Bottom 38.8% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -10.99%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): -0.43%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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 (5 metrics)

Net Interest Margin (NIM)

profitability

Value: 5.36%

Peer Avg: -

#15 of 1077 Top 1.3% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.79%

Peer Avg: -

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

Efficiency Ratio

profitability

Value: 57.77%

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

166

Share Certificate Concentration (%)

balance_sheet

Value: 12.17%

Peer Avg: -

#166 of 1077 Top 15.3% in 100M-500M tier

186

Net Worth Ratio

risk

Value: 14.63%

Peer Avg: -

#186 of 1077 Top 17.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1071

Loan Growth Rate

growth

Value: -17.22%

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1071

Deposit Growth Rate

growth

Value: -10.99%

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1068

Asset Growth Rate

growth

Value: -9.34%

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1065

AMR Growth Rate

growth

Value: -13.41%

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1057

Total Deposits

balance_sheet

Value: $87.72M

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1056

Total Assets

balance_sheet

Value: $103.15M

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

1045

Total Delinquency Rate (60+ days)

risk

Value: 2.69%

Peer Avg: -

#1045 of 1077 Bottom 3.1% in 100M-500M tier

992

Net Charge-Off Rate

risk

Value: 1.10%

Peer Avg: -

#992 of 1077 Bottom 8.0% in 100M-500M tier

954

Total Members

engagement

Value: 7,198

Peer Avg: -

#954 of 1077 Bottom 11.5% in 100M-500M tier

937

Total Loans

balance_sheet

Value: $66.35M

Peer Avg: -

#937 of 1077 Bottom 13.1% in 100M-500M tier