BlastPoint's Credit Union Scorecard
POWER
Charter #64037 · CO
POWER has 7 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.06% above tier average
- + Strong member growth: 18.8% YoY
- + Asset Growth Rate: Top 0.9% in tier
- + Deposit Growth Rate: Top 0.9% in tier
- + Member Growth Rate: Top 2.1% in tier
- + Loan Growth Rate: Top 4.2% 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 0.67% below tier average
- - Efficiency ratio 5.68% above tier (higher cost structure)
- - Delinquency rate 0.91% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
- - Average Member Relationship (AMR): Bottom 7.3% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,567
+18.8% YoY+24.6% QoQ
|
-578 |
15,145
-2.5% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
57% |
| Assets |
$156.0M
+29.2% YoY+24.3% QoQ
|
$-75.7M |
$231.7M
+0.8% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
34% |
| Loans |
$71.7M
+18.5% YoY+22.4% QoQ
|
$-72.5M |
$144.1M
+0.2% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$137.2M
+30.3% YoY+26.4% QoQ
|
$-64.0M |
$201.1M
+0.4% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
0.1%
-97.9% YoY-96.0% QoQ
|
-0.7% |
0.7%
+5.1% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.9% in tier |
| NIM |
3.7%
-6.5% YoY-7.0% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
55% |
| Efficiency Ratio |
83.7%
+48.1% YoY+22.2% QoQ
|
+5.7% |
78.0%
-1.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
1.7%
-0.5% YoY-41.0% QoQ
|
+0.9 |
0.8%
+7.1% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
52.2%
-9.1% YoY-3.2% QoQ
|
-18.2% |
70.4%
-0.4% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.0% in tier |
| AMR |
$14,335
+6.0% YoY+0.3% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 7.2% in tier |
| CD Concentration |
26.4%
+16.4% YoY-0.7% QoQ
|
+2.1% | 24.3% | 26.7% | 19.8% | 50% |
| Indirect Auto % |
15.9%
-21.4% YoY-20.0% QoQ
|
+2.1% | 13.8% | 12.4% | 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)