BlastPoint's Credit Union Scorecard

CANVAS

Charter #64778 · CO

Large 5B-7B

35 CUs in 5B-7B nationally 1 in CO

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CANVAS has 5 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 63.2% in tier
+ Organic Growth Engine: Top 69.8% in tier
+ Net Interest Margin 1.10% above tier average
+ First Mortgage Concentration (%): Top 5.7% in tier
+ Loan-to-Share Ratio: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 5.9% in tier
- Liquidity Strain: Bottom 18.8% in tier
- ROA 0.07% below tier average
- Delinquency rate 0.37% above tier average
- Total Assets: Bottom 2.9% in tier
- Net Charge-Off Rate: Bottom 5.7% in tier
- Indirect Auto Concentration (%): Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	318,921 +4.5% YoY+0.8% QoQ	+26.6K	292,342 -2.4% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	63%
Assets	$5.0B +9.3% YoY+3.0% QoQ	$-733.6M	$5.7B -0.2% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	Bottom 0.0% in tier
Loans	$4.5B +7.6% YoY+1.4% QoQ	+$295.0M	$4.2B -1.6% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	63%
Deposits	$4.5B +9.9% YoY+3.0% QoQ	$-358.2M	$4.8B +0.4% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	20%

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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	0.7% +43.4% YoY+8.3% QoQ	-0.1%	0.8% +27.9% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	49%
NIM	4.1% +3.8% YoY-0.3% QoQ	+1.1%	3.0% +8.0% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	Top 11.4% in tier
Efficiency Ratio	61.0% -4.5% YoY+0.5% QoQ	-6.3%	67.3% -3.7% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	23%
Delinquency Rate	1.2% -1.5% YoY+2.2% QoQ	+0.4	0.8% +17.5% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Top 11.4% in tier
Loan To Share	99.4% -2.1% YoY-1.5% QoQ	+13.5%	85.9% -2.6% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	Top 11.4% in tier
AMR	$28,062 +4.1% YoY+1.4% QoQ	$-6K	$34,289 +3.5% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	31%
CD Concentration	33.8% +1.8% YoY+0.1% QoQ	+4.7%	29.1%	26.2%	19.8%	67%
Indirect Auto %	44.8% -2.0% YoY+0.5% QoQ	+27.7%	17.1%	12.2%	7.8%	Top 3.0% in tier

Signature Analysis

Strengths (2)

Emerging Performer

growth

#13 of 20 • Top 63.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.75%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 4.50%

(Tier: 4.35%, National: 4.32%)

better than tier avg

20 of 68 Large CUs have this signature | 282 nationally

→ No prior data (20 CUs now) | New qualifier

Organic Growth Engine

growth

#38 of 54 • Top 69.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.50%

(Tier: 4.35%, National: 4.32%)

better than tier avg

Return on Assets: 0.75%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 44.84%

(Tier: 17.09%, National: 7.78%)

but worse than tier avg

54 of 68 Large CUs have this signature | 913 nationally

→ No prior data (54 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#3 of 35 • Bottom 5.9% in tier

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

Why This Signature

Asset Growth (YoY): 9.29%

(Tier: 8.38%, National: 3.54%)

but better than tier avg

Indirect Auto %: 44.84%

(Tier: 17.09%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.50%

(Tier: 4.35%, National: 4.32%)

but better than tier avg

35 of 68 Large CUs have this signature | 745 nationally

→ Stable (35→35 CUs) | Rank improving

Liquidity Strain

risk

#7 of 33 • Bottom 18.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.36%

(Tier: 84.88%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 7.64%

(Tier: 6.96%, National: 111.96%)

but better than tier avg

33 of 68 Large CUs have this signature | 439 nationally

↑ Growing +6 CUs YoY | Rank improving

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 35 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 16.62%

Peer Median: -

#3 of 35 Top 5.7% in 5B-7B tier

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Median: -

#4 of 35 Top 8.6% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.36%

Peer Median: -

#4 of 35 Top 8.6% in 5B-7B tier

Efficiency Ratio

profitability

Value: 60.95%

Peer Median: -

#9 of 35 Top 22.9% in 5B-7B tier

Top Weaknesses (6 metrics)

Total Assets

balance_sheet

Value: $5.01B

Peer Median: -

#35 of 35 Bottom 2.9% in 5B-7B tier

Net Charge-Off Rate

risk

Value: 1.32%

Peer Median: -

#34 of 35 Bottom 5.7% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 44.84%

Peer Median: -

#34 of 35 Bottom 5.7% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: -

#32 of 35 Bottom 11.4% in 5B-7B tier

Fee Income Per Member

profitability

Value: $172.27

Peer Median: -

#28 of 35 Bottom 22.9% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.49B

Peer Median: -

#28 of 35 Bottom 22.9% in 5B-7B tier