BlastPoint's Credit Union Scorecard

PREMIER

Charter #64271 · IA

100M-500M

1070 CUs in 100M-500M nationally 19 in IA

PREMIER has 8 strengths but faces 8 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ AMR Growth Rate: Top 0.3% in tier
+ Total Loans: Top 2.9% in tier
+ Loan-to-Member Ratio (LMR): Top 3.6% in tier
+ Deposit Growth Rate: Top 4.5% in tier
+ Average Member Relationship (AMR): Top 5.1% in tier
+ Loan-to-Share Ratio: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.57% below tier average
- Efficiency ratio 10.56% above tier (higher cost structure)
- Member decline: -14.7% YoY
- Member Growth Rate: Bottom 1.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Members	16,594 -14.7% YoY+1.4% QoQ	+1.4K	15,145 -2.5% YoY	24,966 +0.1% YoY	33,913 +5.7% YoY	65%
Assets	$393.9M +11.2% YoY+5.2% QoQ	+$162.1M	$231.7M +0.8% YoY	$536.2M +6.4% YoY	$578.3M +9.0% YoY	Top 12.3% in tier
Loans	$332.7M +11.2% YoY+2.8% QoQ	+$188.5M	$144.1M +0.2% YoY	$422.1M +5.8% YoY	$402.4M +8.7% YoY	Top 3.0% in tier
Deposits	$357.9M +12.5% YoY+6.8% QoQ	+$156.8M	$201.1M +0.4% YoY	$445.2M +6.5% YoY	$494.3M +9.1% YoY	Top 9.2% 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	0.2% -57.1% YoY-71.4% QoQ	-0.6%	0.7% +5.1% YoY	0.9% +9.6% YoY	0.4% -39.2% YoY	Bottom 14.7% in tier
NIM	2.9% +3.8% YoY-2.1% QoQ	-0.7%	3.6% +4.6% YoY	3.8% +3.9% YoY	3.8% +4.1% YoY	Bottom 13.6% in tier
Efficiency Ratio	88.6% +3.6% YoY+8.7% QoQ	+10.6%	78.0% -1.7% YoY	75.3% -1.6% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	0.8% -47.4% YoY-28.8% QoQ	+0.0	0.8% +7.1% YoY	1.1% -19.0% YoY	1.2% +3.4% YoY	65%
Loan To Share	93.0% -1.2% YoY-3.8% QoQ	+22.5%	70.4% -0.4% YoY	74.3% -0.3% YoY	65.6% -1.4% YoY	Top 6.4% in tier
AMR	$41,617 +31.2% YoY+3.4% QoQ	+$17K	$24,918 +2.7% YoY	$21,379 +4.7% YoY	$19,920 +1.6% YoY	Top 5.2% in tier
CD Concentration	41.3% +4.8% YoY-3.6% QoQ	+17.0%	24.3%	21.8%	19.8%	50%
Indirect Auto %	8.5% +131.6% YoY+22.4% QoQ	-5.3%	13.8%	9.2%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#3 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 31.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank improving

Wallet Share Momentum

growth

#5 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 31.23%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#16 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -14.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#198 of 570 • Bottom 50.0% 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): -14.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 11.20%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.80%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#74 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.95%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 11.20%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Efficiency Drag

risk

#408 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.58%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -14.75%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (10 metrics)

AMR Growth Rate

growth

Value: 31.23%

Peer Median: 3.46%

#4 of 1070 Top 0.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $332.68M

Peer Median: $121.41M

#32 of 1070 Top 2.9% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,048

Peer Median: $9,356

#40 of 1070 Top 3.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 12.52%

Peer Median: 3.30%

#49 of 1070 Top 4.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,617

Peer Median: $22,931

#56 of 1070 Top 5.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 92.95%

Peer Median: 71.88%

#68 of 1070 Top 6.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 11.24%

Peer Median: 3.91%

#74 of 1070 Top 6.8% in 100M-500M tier

Total Deposits

balance_sheet

Value: $357.91M

Peer Median: $171.29M

#98 of 1070 Top 9.1% in 100M-500M tier

132

Total Assets

balance_sheet

Value: $393.85M

Peer Median: $196.57M

#132 of 1070 Top 12.2% in 100M-500M tier

141

Loan Growth Rate

growth

Value: 11.20%

Peer Median: 2.93%

#141 of 1070 Top 13.1% in 100M-500M tier

Top Weaknesses (7 metrics)

1054

Member Growth Rate

growth

Value: -14.75%

Peer Median: -0.06%

#1054 of 1070 Bottom 1.6% in 100M-500M tier

1020

Net Worth Ratio

risk

Value: 8.22%

Peer Median: 11.45%

#1020 of 1070 Bottom 4.8% in 100M-500M tier

1002

Share Certificate Concentration (%)

balance_sheet

Value: 41.25%

Peer Median: 23.10%

#1002 of 1070 Bottom 6.4% in 100M-500M tier

925

Net Interest Margin (NIM)

profitability

Value: 2.94%

Peer Median: 3.62%

#925 of 1070 Bottom 13.6% in 100M-500M tier

913

Return on Assets (ROA)

profitability

Value: 0.16%

Peer Median: 0.69%

#913 of 1070 Bottom 14.8% in 100M-500M tier

872

Members Per Employee (MPE)

engagement

Value: 247.672

Peer Median: 309.176

#872 of 1070 Bottom 18.6% in 100M-500M tier

868

Efficiency Ratio

profitability

Value: 88.58%

Peer Median: 78.68%

#868 of 1070 Bottom 19.0% in 100M-500M tier