BlastPoint's Credit Union Scorecard

POWER

Charter #64037 · CO

1069 CUs in 100M-500M nationally 26 in CO

POWER has 3 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 69.3% in tier
+ ROA 0.64% above tier average
+ Net Interest Margin 0.36% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.7% in tier
- Stagnation Risk: Bottom 5.8% in tier
- Membership Headwinds: Bottom 28.6% in tier
- Indirect Auto Dependency: Bottom 37.4% in tier
- Institutional Decline: Bottom 51.5% in tier
- Delinquency rate 1.97% above tier average
- Member decline: -4.4% YoY
- Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
- Average Member Relationship (AMR): Bottom 7.3% in tier
- Net Charge-Off Rate: Bottom 8.8% in tier
- Total Loans: Bottom 9.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	11,695 -4.4% YoY-0.7% QoQ	-3.7K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	40%
Assets	$125.5M +7.6% YoY+2.1% QoQ	$-106.3M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	17%
Loans	$58.6M -4.5% YoY-3.1% QoQ	$-88.8M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	Bottom 9.4% in tier
Deposits	$108.5M +5.8% YoY+1.3% QoQ	$-92.3M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	17%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.4% +89.5% YoY-15.9% QoQ	+0.6%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	Top 13.0% in tier
NIM	4.0% +2.4% YoY-0.0% QoQ	+0.4%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	71%
Efficiency Ratio	68.5% -14.3% YoY+4.1% QoQ	-8.5%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	21%
Delinquency Rate	2.9% +115.5% YoY+15.9% QoQ	+2.0	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Top 2.7% in tier
Loan To Share	54.0% -9.8% YoY-4.4% QoQ	-18.3%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	Bottom 14.1% in tier
AMR	$14,286 +6.7% YoY+0.4% QoQ	$-10K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	Bottom 7.2% in tier
CD Concentration	26.6% +14.7% YoY+2.0% QoQ	+2.1%	24.4%	26.2%	19.8%	50%
Indirect Auto %	19.9% -5.2% YoY-1.3% QoQ	+6.1%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#356 of 513 • Top 69.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.66%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#13 of 705 • Bottom 1.7% in tier

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

Why This Signature

Delinquency Change (YoY): 1.53% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#33 of 554 • Bottom 5.8% 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): -4.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.52%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 2.86%

(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

#159 of 554 • Bottom 28.6% in tier

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

Why This Signature

Member Growth (YoY): -4.43%

(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

Indirect Auto Dependency

risk

#190 of 506 • Bottom 37.4% in tier

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

Why This Signature

Asset Growth (YoY): 7.63%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 19.90%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -4.43%

(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 improving

Institutional Decline

decline

#124 of 240 • Bottom 51.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $125.54M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -4.43%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.52%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | 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 1069 peers in tier

Top Strengths (3 metrics)

139

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

227

Efficiency Ratio

profitability

Value: 68.50%

Peer Median: -

#227 of 1069 Top 21.1% in 100M-500M tier

228

Fee Income Per Member

profitability

Value: $225.80

Peer Median: -

#228 of 1069 Top 21.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1041

Total Delinquency Rate (60+ days)

risk

Value: 2.86%

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

1009

Loan-to-Member Ratio (LMR)

engagement

Value: $5,007

Peer Median: -

#1009 of 1069 Bottom 5.7% in 100M-500M tier

992

Average Member Relationship (AMR)

engagement

Value: $14,286

Peer Median: -

#992 of 1069 Bottom 7.3% in 100M-500M tier

976

Net Charge-Off Rate

risk

Value: 1.12%

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

969

Total Loans

balance_sheet

Value: $58.55M

Peer Median: -

#969 of 1069 Bottom 9.4% in 100M-500M tier

937

Member Growth Rate

growth

Value: -4.43%

Peer Median: -

#937 of 1069 Bottom 12.4% in 100M-500M tier

932

Loan Growth Rate

growth

Value: -4.52%

Peer Median: -

#932 of 1069 Bottom 12.9% in 100M-500M tier

918

Loan-to-Share Ratio

balance_sheet

Value: 53.96%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

891

Total Assets

balance_sheet

Value: $125.54M

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier

891

Total Deposits

balance_sheet

Value: $108.52M

Peer Median: -

#891 of 1069 Bottom 16.7% in 100M-500M tier