BlastPoint's Credit Union Scorecard

ON TAP

Charter #64913 · CO

1069 CUs in 100M-500M nationally 26 in CO

ON TAP has 5 strengths but faces 5 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 91.8% in tier
+ Organic Growth Engine: Top 98.3% in tier
+ Total Loans: Top 5.8% in tier
+ Total Assets: Top 7.9% in tier
+ Loan-to-Member Ratio (LMR): Top 8.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 16.5% in tier
- Efficiency Drag: Bottom 28.3% in tier
- ROA 0.49% below tier average
- Efficiency ratio 6.09% above tier (higher cost structure)
- Delinquency rate 0.16% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	19,350 +0.7% YoY+0.1% QoQ	+3.9K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	74%
Assets	$419.6M +9.0% YoY+1.1% QoQ	+$187.7M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	Top 8.0% in tier
Loans	$303.6M -1.8% YoY+2.3% QoQ	+$156.3M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	Top 5.9% in tier
Deposits	$347.2M +3.7% YoY+1.1% QoQ	+$146.4M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	Top 10.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +56.2% YoY+28.6% QoQ	-0.5%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	15%
NIM	3.2% -0.9% YoY-3.1% QoQ	-0.4%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	28%
Efficiency Ratio	83.1% -3.6% YoY-0.5% QoQ	+6.1%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	1.1% +96.2% YoY-9.1% QoQ	+0.2	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	72%
Loan To Share	87.5% -5.3% YoY+1.1% QoQ	+15.2%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	80%
AMR	$33,634 +0.3% YoY+1.5% QoQ	+$9K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	Top 11.1% in tier
CD Concentration	29.4% -6.9% YoY-2.0% QoQ	+4.9%	24.4%	26.2%	19.8%	50%
Indirect Auto %	11.2% +88.5% YoY+49.0% QoQ	-2.5%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#391 of 426 • Top 91.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.75%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 11.25%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#585 of 595 • Top 98.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.75%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.27%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 11.25%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#117 of 705 • Bottom 16.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.52% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#153 of 538 • Bottom 28.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.10%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.10% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 0.75%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $303.64M

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

Total Assets

balance_sheet

Value: $419.56M

Peer Median: -

#85 of 1069 Top 7.9% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,692

Peer Median: -

#96 of 1069 Top 8.9% in 100M-500M tier

115

Total Deposits

balance_sheet

Value: $347.18M

Peer Median: -

#115 of 1069 Top 10.7% in 100M-500M tier

119

Average Member Relationship (AMR)

engagement

Value: $33,634

Peer Median: -

#119 of 1069 Top 11.0% in 100M-500M tier

185

Asset Growth Rate

growth

Value: 9.04%

Peer Median: -

#185 of 1069 Top 17.2% in 100M-500M tier

215

Loan-to-Share Ratio

balance_sheet

Value: 87.46%

Peer Median: -

#215 of 1069 Top 20.0% in 100M-500M tier

Top Weaknesses (5 metrics)

906

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: -

#906 of 1069 Bottom 15.3% in 100M-500M tier

853

Net Worth Ratio

risk

Value: 9.49%

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier

842

AMR Growth Rate

growth

Value: 0.30%

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier

831

First Mortgage Concentration (%)

balance_sheet

Value: 43.24%

Peer Median: -

#831 of 1069 Bottom 22.4% in 100M-500M tier

814

Loan Growth Rate

growth

Value: -1.80%

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier