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 33.3% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 1.09% above tier average
- + Strong member growth: 6.1% YoY
- + Loan-to-Share Ratio: Top 5.4% in tier
- + First Mortgage Concentration (%): Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.1% in tier
- - Credit Quality Pressure: Bottom 17.2% in tier
- - Credit Risk Growth: Bottom 18.8% in tier
- - Indirect Auto Dependency: Bottom 21.9% in tier
- - Delinquency rate 0.31% above tier average
- - Indirect Auto Concentration (%): Bottom 5.4% in tier
- - Net Charge-Off Rate: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
326,856
+6.1% YoY+2.5% QoQ
|
+19.1K |
307,793
+7.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$5.1B
+9.4% YoY+2.6% QoQ
|
$-626.1M |
$5.8B
-0.2% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 13.5% in tier |
| Loans |
$4.6B
+10.1% YoY+3.4% QoQ
|
+$457.7M |
$4.2B
+0.4% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$4.6B
+9.9% YoY+2.7% QoQ
|
$-285.0M |
$4.9B
+0.2% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.0%
+71.6% YoY+39.4% QoQ
|
+0.2% |
0.9%
+47.0% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
65% |
| NIM |
4.2%
+3.3% YoY+2.5% QoQ
|
+1.1% |
3.2%
+9.8% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
57.9%
-7.6% YoY-5.0% QoQ
|
-8.7% |
66.6%
-11.0% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
16% |
| Delinquency Rate |
1.0%
+15.2% YoY-12.3% QoQ
|
+0.3 |
0.7%
+23.3% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
84% |
| Loan To Share |
100.0%
+0.2% YoY+0.7% QoQ
|
+15.3% |
84.7%
-0.7% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 8.1% in tier |
| AMR |
$28,218
+3.7% YoY+0.6% QoQ
|
$-4K |
$32,237
-7.3% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
32.8%
+2.0% YoY-3.1% QoQ
|
+4.2% | 28.6% | 26.7% | 19.8% | 65% |
| Indirect Auto % |
46.7%
+2.6% YoY+4.1% QoQ
|
+30.3% | 16.4% | 12.4% | 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)