BlastPoint's Credit Union Scorecard
CANVAS
Charter #64778 · CO
CANVAS has 6 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 51.5% in tier
- + Net Interest Margin 1.01% above tier average
- + Strong member growth: 7.2% YoY
- + Member Growth Rate: Top 5.1% in tier
- + Loan-to-Share Ratio: Top 7.7% in tier
- + First Mortgage Concentration (%): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.6% in tier
- - Credit Risk Growth: Bottom 18.8% in tier
- - Credit Quality Pressure: Bottom 21.9% in tier
- - Indirect Auto Dependency: Bottom 25.0% in tier
- - Delinquency rate 0.35% above tier average
- - Net Charge-Off Rate: Bottom 5.1% in tier
- - Indirect Auto Concentration (%): Bottom 5.1% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 1 that size in Colorado.
- Shares and deposits +8.3% year over year ($4.68B in shares and deposits).
- Membership: 335,110 members, +7.2% vs a year ago.
- Delinquency rate 1.14%.
- Return on assets 0.90%.
- Efficiency ratio 58.79% vs a 65.18% peer average.
- Loan-to-share ratio 102.36% vs a 85.64% 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 |
335,110
+7.2% YoY+2.5% QoQ
|
+24.2K |
310,918
+6.0% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$5.3B
+9.5% YoY+2.9% QoQ
|
$-498.3M |
$5.8B
-1.1% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
20% |
| Loans |
$4.8B
+10.7% YoY+3.8% QoQ
|
+$586.5M |
$4.2B
-0.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
74% |
| Deposits |
$4.7B
+8.3% YoY+1.4% QoQ
|
$-218.5M |
$4.9B
-1.3% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
41% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+47.2% YoY-14.1% QoQ
|
+0.0% |
0.9%
+35.3% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
4.2%
+2.4% YoY-0.6% QoQ
|
+1.0% |
3.2%
+9.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
Top 7.7% in tier |
| Efficiency Ratio |
58.8%
-4.6% YoY+1.6% QoQ
|
-6.4% |
65.2%
-9.0% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
1.1%
+20.0% YoY+12.2% QoQ
|
+0.4 |
0.8%
+23.8% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
102.4%
+2.2% YoY+2.3% QoQ
|
+16.7% |
85.6%
-0.2% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
Top 10.3% in tier |
| AMR |
$28,239
+2.1% YoY+0.1% QoQ
|
$-4K |
$32,010
-7.3% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
36% |
| CD Concentration |
32.0%
-5.0% YoY-2.4% QoQ
|
+3.7% | 28.3% | 27.0% | 20.0% | 65% |
| Indirect Auto % |
45.9%
+2.3% YoY-1.6% QoQ
|
+29.1% | 16.8% | 12.3% | 7.7% | Bottom 3.0% in tier |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)