BlastPoint's Credit Union Scorecard

POWER

Charter #64037 · CO

1077 CUs in 100M-500M nationally 26 in CO

POWER has 5 strengths but faces 12 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 25.0% in tier
+ Profitability Leader: Top 28.3% in tier
+ ROA 0.87% above tier average
+ Net Interest Margin 0.38% above tier average
+ AMR Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.8% in tier
- Stagnation Risk: Bottom 3.7% in tier
- Membership Headwinds: Bottom 6.8% in tier
- Indirect Auto Dependency: Bottom 9.8% in tier
- Credit Risk Growth: Bottom 15.0% in tier
- Delinquency rate 1.61% above tier average
- Member decline: -5.3% YoY
- Total Delinquency Rate (60+ days): Bottom 4.0% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
- Average Member Relationship (AMR): Bottom 7.3% in tier
- Member Growth Rate: Bottom 9.2% in tier
- Net Charge-Off Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	11,773 -5.3% YoY-4.3% QoQ	-3.9K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	41%
Assets	$123.0M +6.9% YoY+1.6% QoQ	$-108.3M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	Bottom 14.9% in tier
Loans	$60.4M +0.8% YoY-0.1% QoQ	$-87.4M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	Bottom 9.9% in tier
Deposits	$107.1M +6.3% YoY+1.3% QoQ	$-93.2M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	16%

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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	1.7% +210.5% YoY-9.7% QoQ	+0.9%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Top 7.9% in tier
NIM	4.0% +6.9% YoY-1.1% QoQ	+0.4%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	70%
Efficiency Ratio	65.8% -19.1% YoY+5.0% QoQ	-11.5%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	16%
Delinquency Rate	2.5% +153.7% YoY+21.2% QoQ	+1.6	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Top 4.0% in tier
Loan To Share	56.4% -5.2% YoY-1.4% QoQ	-16.3%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	17%
AMR	$14,233 +10.1% YoY+5.3% QoQ	$-10K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	Bottom 7.2% in tier
CD Concentration	26.0% +7.4% YoY+6.0% QoQ	+1.6%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	20.2% -4.2% YoY-4.3% QoQ	+6.2%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#121 of 481 • Top 25.0% in tier

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

Why This Signature

AMR Growth (YoY): 10.13%

(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

Profitability Leader

growth

#97 of 340 • Top 28.3% in tier

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

Why This Signature

Return on Assets: 1.66%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 1.13% 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 (5)

Credit Quality Pressure

risk

#20 of 736 • Bottom 0.8% in tier

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

Why This Signature

Delinquency Change (YoY): 1.50% 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 | New qualifier

Stagnation Risk

risk

#62 of 550 • Bottom 3.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.78%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 2.47%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline

#112 of 550 • Bottom 6.8% in tier

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

Why This Signature

Member Growth (YoY): -5.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#159 of 525 • Bottom 9.8% in tier

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

Why This Signature

Asset Growth (YoY): 6.86%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 20.16%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -5.35%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Risk Growth

risk

#226 of 446 • Bottom 15.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.78%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 1.50% points

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

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

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 (4 metrics)

Return on Assets (ROA)

profitability

Value: 1.66%

Peer Avg: -

#85 of 1077 Top 7.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.13%

Peer Avg: -

#96 of 1077 Top 8.8% in 100M-500M tier

161

Fee Income Per Member

profitability

Value: $245.02

Peer Avg: -

#161 of 1077 Top 14.9% in 100M-500M tier

177

Efficiency Ratio

profitability

Value: 65.79%

Peer Avg: -

#177 of 1077 Top 16.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1035

Total Delinquency Rate (60+ days)

risk

Value: 2.47%

Peer Avg: -

#1035 of 1077 Bottom 4.0% in 100M-500M tier

1006

Loan-to-Member Ratio (LMR)

engagement

Value: $5,134

Peer Avg: -

#1006 of 1077 Bottom 6.7% in 100M-500M tier

999

Average Member Relationship (AMR)

engagement

Value: $14,233

Peer Avg: -

#999 of 1077 Bottom 7.3% in 100M-500M tier

979

Member Growth Rate

growth

Value: -5.35%

Peer Avg: -

#979 of 1077 Bottom 9.2% in 100M-500M tier

973

Net Charge-Off Rate

risk

Value: 0.99%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

970

Total Loans

balance_sheet

Value: $60.44M

Peer Avg: -

#970 of 1077 Bottom 10.0% in 100M-500M tier

916

Total Assets

balance_sheet

Value: $122.98M

Peer Avg: -

#916 of 1077 Bottom 15.0% in 100M-500M tier

907

Total Deposits

balance_sheet

Value: $107.13M

Peer Avg: -

#907 of 1077 Bottom 15.9% in 100M-500M tier

897

Loan-to-Share Ratio

balance_sheet

Value: 56.42%

Peer Avg: -

#897 of 1077 Bottom 16.8% in 100M-500M tier