BlastPoint's Credit Union Scorecard

ON TAP

Charter #64913 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

ON TAP has 8 strengths but faces 3 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 1.44% above tier average
+ Fee Income Per Member: Top 0.3% in tier
+ Asset Growth Rate: Top 1.2% in tier
+ Total Assets: Top 2.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.50% above tier average

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
Shares and deposits +16.6% year over year ($392M in shares and deposits).
Membership: 19,415 members, +0.8% vs a year ago.
Delinquency rate 1.38%.
Return on assets 2.30%.
Efficiency ratio 57.01% vs a 76.73% peer average.
Loan-to-share ratio 78.08% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	19,415 +0.8% YoY+0.3% QoQ	+4.2K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	76%
Assets	$474.0M +22.6% YoY+3.7% QoQ	+$242.0M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	Top 2.1% in tier
Loans	$306.0M +2.2% YoY-1.3% QoQ	+$159.7M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	Top 5.6% in tier
Deposits	$391.8M +16.6% YoY+3.8% QoQ	+$191.1M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	Top 4.4% in tier

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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	2.3% +1176.0% YoY-26.3% QoQ	+1.4%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	Top 1.6% in tier
NIM	3.0% -11.8% YoY+0.7% QoQ	-0.7%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	Bottom 12.8% in tier
Efficiency Ratio	57.0% -31.4% YoY+15.4% QoQ	-19.7%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	Top 5.8% in tier
Delinquency Rate	1.4% +47.9% YoY+10.3% QoQ	+0.5	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	83%
Loan To Share	78.1% -12.3% YoY-4.9% QoQ	+6.5%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	60%
AMR	$35,940 +9.0% YoY+1.2% QoQ	+$11K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	Top 9.5% in tier
CD Concentration	25.7% -14.5% YoY-3.8% QoQ	+1.1%	24.6%	27.0%	20.0%	50%
Indirect Auto %	10.3% +62.5% YoY-3.7% QoQ	-3.3%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth

#51 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.98%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.5K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#161 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.98%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Engine

growth

#230 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.76%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 2.30%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 10.35%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Organic Growth Leader

growth

#324 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.76%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 10.35%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#161 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.45% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Credit Risk Growth

risk

#259 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.21%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.45% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (12 metrics)

Fee Income Per Member

profitability

Value: $722.94

Peer Median: $159.88

#4 of 1024 Top 0.3% in 100M-500M tier

Asset Growth Rate

growth

Value: 22.63%

Peer Median: 4.12%

#13 of 1024 Top 1.2% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.30%

Peer Median: 0.75%

#16 of 1024 Top 1.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $473.99M

Peer Median: $196.38M

#22 of 1024 Top 2.1% in 100M-500M tier

Deposit Growth Rate

growth

Value: 16.57%

Peer Median: 3.58%

#26 of 1024 Top 2.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $391.83M

Peer Median: $170.77M

#45 of 1024 Top 4.3% in 100M-500M tier

Total Loans

balance_sheet

Value: $305.95M

Peer Median: $124.04M

#57 of 1024 Top 5.5% in 100M-500M tier

Efficiency Ratio

profitability

Value: 57.01%

Peer Median: 77.26%

#60 of 1024 Top 5.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,940

Peer Median: $23,006

#97 of 1024 Top 9.4% in 100M-500M tier

101

Loan-to-Member Ratio (LMR)

engagement

Value: $15,759

Peer Median: $9,434

#101 of 1024 Top 9.8% in 100M-500M tier

Top Weaknesses (4 metrics)

893

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.67%

#893 of 1024 Bottom 12.9% in 100M-500M tier

884

Net Worth Ratio

risk

Value: 9.21%

Peer Median: 11.71%

#884 of 1024 Bottom 13.8% in 100M-500M tier

848

Total Delinquency Rate (60+ days)

risk

Value: 1.38%

Peer Median: 0.71%

#848 of 1024 Bottom 17.3% in 100M-500M tier

812

First Mortgage Concentration (%)

balance_sheet

Value: 44.81%

Peer Median: 29.92%

#812 of 1024 Bottom 20.8% in 100M-500M tier