BlastPoint's Credit Union Scorecard
CANVAS
Charter #64778 · CO
CANVAS has 5 strengths but faces 8 concerns
How does the industry compare?
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 21.5% in tier
- + Net Interest Margin 0.95% above tier average
- + Total Loans: Top 0.0% in tier
- + Total Deposits: Top 0.0% in tier
- + Total Assets: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.9% in tier
- - Liquidity Strain: Bottom 11.5% in tier
- - Credit Quality Pressure: Bottom 16.0% in tier
- - Credit Risk Growth: Bottom 18.5% in tier
- - ROA 0.05% below tier average
- - Delinquency rate 0.29% above tier average
- - Net Charge-Off Rate: Bottom 7.9% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
316,443
+4.7% YoY+1.3% QoQ
|
+78.0K |
238,465
+0.6% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
Top 11.8% in tier |
| Assets |
$4.9B
+7.5% YoY+0.7% QoQ
|
+$896.0M |
$4.0B
-0.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
Top 5.3% in tier |
| Loans |
$4.4B
+6.1% YoY+1.7% QoQ
|
+$1.4B |
$3.0B
+3.3% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
Top 1.3% in tier |
| Deposits |
$4.4B
+8.2% YoY+1.0% QoQ
|
+$1.0B |
$3.3B
+1.1% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Top 1.3% in tier |
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| ROA |
0.7%
+44.0% YoY+13.5% QoQ
|
-0.1% |
0.7%
+5.3% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
4.2%
+4.6% YoY+0.8% QoQ
|
+1.0% |
3.2%
+13.7% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
Top 9.2% in tier |
| Efficiency Ratio |
60.6%
-5.4% YoY-1.6% QoQ
|
-10.6% |
71.3%
-0.6% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.5% in tier |
| Delinquency Rate |
1.1%
+10.6% YoY+19.4% QoQ
|
+0.3 |
0.8%
+15.9% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
100.9%
-2.0% YoY+0.7% QoQ
|
+10.0% |
90.8%
+2.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$27,674
+2.3% YoY+0.1% QoQ
|
$-1K |
$29,088
+0.1% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
33.8%
+1.2% YoY+0.4% QoQ
|
+4.9% |
29.0%
+0.7% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
74% |
| Indirect Auto % |
44.6%
-3.4% YoY-0.5% QoQ
|
+25.9% |
18.8%
-3.0% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
Top 7.4% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)