BlastPoint's Credit Union Scorecard
POWER
Charter #64037 · CO
POWER has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Strong member growth: 17.4% YoY
- + Asset Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.7% in tier
- + Member Growth Rate: Top 1.8% in tier
- + Loan Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 4.24% above tier (higher cost structure)
- - Delinquency rate 0.52% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
- - Average Member Relationship (AMR): Bottom 7.5% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
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 26 that size in Colorado.
- Shares and deposits +30.0% year over year ($138M in shares and deposits).
- Membership: 14,447 members, +17.4% vs a year ago.
- Delinquency rate 1.40%.
- Return on assets 0.35%.
- Efficiency ratio 80.97% vs a 76.73% peer average.
- Loan-to-share ratio 52.39% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,447
+17.4% YoY-0.8% QoQ
|
-721 |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$156.0M
+28.9% YoY-0.0% QoQ
|
$-76.0M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$72.0M
+19.0% YoY+0.5% QoQ
|
$-74.2M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$137.5M
+30.0% YoY+0.2% QoQ
|
$-63.2M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
0.3%
-81.1% YoY+522.0% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.7%
-7.9% YoY+0.2% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
81.0%
+29.2% YoY-3.3% QoQ
|
+4.2% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
1.4%
-31.4% YoY-17.2% QoQ
|
+0.5 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
52.4%
-8.4% YoY+0.3% QoQ
|
-19.2% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.2% in tier |
| AMR |
$14,504
+7.3% YoY+1.2% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 7.4% in tier |
| CD Concentration |
27.9%
+13.4% YoY+5.6% QoQ
|
+3.3% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
15.6%
-26.1% YoY-2.2% QoQ
|
+2.0% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)