BlastPoint's Credit Union Scorecard

FELLOWSHIP

Charter #64852 · CO

<100M
2508 CUs in <100M nationally 25 in CO

FELLOWSHIP has 8 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.54% above tier average
  • + Net Interest Margin 0.17% above tier average
  • + Strong member growth: 24.9% YoY
  • + Asset Growth Rate: Top 1.0% in tier
  • + Deposit Growth Rate: Top 1.1% in tier
  • + Member Growth Rate: Top 1.2% in tier
  • + Total Loans: Top 2.9% in tier
  • + Loan Growth Rate: Top 3.8% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Members 7,382
+24.9% YoY+26.4% QoQ
+4.7K 2,676
+1.6% YoY
45,987
+29.5% YoY
33,913
+5.7% YoY
Top 4.4% in tier
Assets $65.5M
+25.8% YoY+16.0% QoQ
+$35.3M $30.2M
+1.3% YoY
$896.2M
+38.1% YoY
$578.3M
+9.0% YoY
Top 14.3% in tier
Loans $54.8M
+19.4% YoY+10.1% QoQ
+$39.5M $15.3M
-2.0% YoY
$687.4M
+35.9% YoY
$402.4M
+8.7% YoY
Top 3.0% in tier
Deposits $58.0M
+24.3% YoY+14.7% QoQ
+$32.2M $25.8M
+0.7% YoY
$753.9M
+36.7% YoY
$494.3M
+9.1% YoY
Top 13.2% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.7%
-14.9% YoY-36.9% QoQ
+0.5% 0.1%
-77.6% YoY
0.5%
+3.7% YoY
0.4%
-39.2% YoY
54%
NIM 4.2%
-5.6% YoY-4.2% QoQ
+0.2% 4.0%
+4.0% YoY
3.5%
+0.5% YoY
3.8%
+4.1% YoY
66%
Efficiency Ratio 85.7%
+3.2% YoY+12.6% QoQ
-4.9% 90.6%
+6.5% YoY
80.2%
-2.9% YoY
84.6%
+2.8% YoY
60%
Delinquency Rate 0.9%
+645.5% YoY-28.3% QoQ
-0.6 1.5%
+3.8% YoY
1.0%
+37.3% YoY
1.2%
+3.4% YoY
61%
Loan To Share 94.5%
-3.9% YoY-4.0% QoQ
+36.0% 58.5%
-3.0% YoY
71.5%
-0.6% YoY
65.6%
-1.4% YoY
Top 5.3% in tier
AMR $15,283
-2.4% YoY-11.1% QoQ
+$399 $14,884
-1.7% YoY
$24,339
+6.3% YoY
$19,920
+1.6% YoY
57%
CD Concentration 25.8%
+13.2% YoY-4.2% QoQ
+1.5% 24.3% 26.7% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 12.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (12 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
26
Asset Growth Rate
growth
Value: 25.84%
Peer Median: 1.30%
#26 of 2508 Top 1.0% in <100M tier
29
Deposit Growth Rate
growth
Value: 24.32%
Peer Median: 0.66%
#29 of 2508 Top 1.1% in <100M tier
32
Member Growth Rate
growth
Value: 24.95%
Peer Median: -1.37%
#32 of 2508 Top 1.2% in <100M tier
74
Total Loans
balance_sheet
Value: $54.81M
Peer Median: $9.48M
#74 of 2508 Top 2.9% in <100M tier
97
Loan Growth Rate
growth
Value: 19.43%
Peer Median: -2.36%
#97 of 2508 Top 3.8% in <100M tier
111
Total Members
engagement
Value: 7,382
Peer Median: 1,918
#111 of 2508 Top 4.4% in <100M tier
131
Loan-to-Share Ratio
balance_sheet
Value: 94.48%
Peer Median: 58.72%
#131 of 2508 Top 5.2% in <100M tier
247
Net Charge-Off Rate
risk
Value: -0.09%
Peer Median: 0.07%
#247 of 2508 Top 9.8% in <100M tier
330
Total Deposits
balance_sheet
Value: $58.01M
Peer Median: $18.77M
#330 of 2508 Top 13.1% in <100M tier

Top Weaknesses (3 metrics)

2403
First Mortgage Concentration (%)
balance_sheet
Value: 59.58%
Peer Median: 3.66%
#2403 of 2508 Bottom 4.2% in <100M tier
1961
Net Worth Ratio
risk
Value: 10.62%
Peer Median: 14.28%
#1961 of 2508 Bottom 21.9% in <100M tier
1913
Share Certificate Concentration (%)
balance_sheet
Value: 25.81%
Peer Median: 12.45%
#1913 of 2508 Bottom 23.8% in <100M tier
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