BlastPoint's Credit Union Scorecard

ON TAP

Charter #64913 · CO

1077 CUs in 100M-500M nationally 26 in CO

ON TAP has 5 strengths but faces 7 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 29.1% in tier
+ Organic Growth Engine: Top 32.2% in tier
+ Total Loans: Top 6.5% in tier
+ Total Assets: Top 8.3% in tier
+ Loan-to-Member Ratio (LMR): Top 9.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.3% in tier
- Efficiency Drag: Bottom 6.0% in tier
- Shrinking Wallet Share: Bottom 17.8% in tier
- ROA 0.58% below tier average
- Efficiency ratio 6.28% above tier (higher cost structure)
- Delinquency rate 0.30% above tier average
- Loan Growth Rate: Bottom 8.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	19,327 +0.9% YoY+0.3% QoQ	+3.7K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	73%
Assets	$415.1M +3.8% YoY+7.4% QoQ	+$183.8M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	Top 8.4% in tier
Loans	$296.9M -6.4% YoY-0.8% QoQ	+$149.1M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	Top 6.6% in tier
Deposits	$343.4M +4.9% YoY+2.2% QoQ	+$143.1M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	Top 11.0% 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	0.2% +10.9% YoY+16.0% QoQ	-0.6%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Bottom 13.9% in tier
NIM	3.3% +4.7% YoY-1.0% QoQ	-0.2%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	83.6% -3.5% YoY+0.6% QoQ	+6.3%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	73%
Delinquency Rate	1.2% +161.3% YoY+24.4% QoQ	+0.3	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	76%
Loan To Share	86.5% -10.8% YoY-2.9% QoQ	+13.8%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	78%
AMR	$33,131 -1.5% YoY+0.5% QoQ	+$9K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	Top 11.4% in tier
CD Concentration	30.0% -9.4% YoY-0.2% QoQ	+5.6%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	7.5% +19.1% YoY+18.5% QoQ	-6.4%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#384 of 430 • Top 29.1% in tier

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

Why This Signature

Member Growth (YoY): 0.86%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 7.55%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth

#590 of 603 • Top 32.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.86%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.21%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 7.55%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY

Concerns (3)

Credit Quality Pressure

risk

#82 of 736 • Bottom 3.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.72% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Efficiency Drag

risk

#107 of 521 • Bottom 6.0% in tier

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

Why This Signature

Efficiency Ratio: 83.55%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#178 of 244 • Bottom 17.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.53%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 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 1077 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $296.93M

Peer Avg: -

#71 of 1077 Top 6.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $415.06M

Peer Avg: -

#90 of 1077 Top 8.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,363

Peer Avg: -

#98 of 1077 Top 9.0% in 100M-500M tier

119

Total Deposits

balance_sheet

Value: $343.40M

Peer Avg: -

#119 of 1077 Top 11.0% in 100M-500M tier

123

Average Member Relationship (AMR)

engagement

Value: $33,131

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

237

Loan-to-Share Ratio

balance_sheet

Value: 86.47%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (6 metrics)

984

Loan Growth Rate

growth

Value: -6.43%

Peer Avg: -

#984 of 1077 Bottom 8.7% in 100M-500M tier

934

AMR Growth Rate

growth

Value: -1.53%

Peer Avg: -

#934 of 1077 Bottom 13.4% in 100M-500M tier

927

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

896

Net Worth Ratio

risk

Value: 9.24%

Peer Avg: -

#896 of 1077 Bottom 16.9% in 100M-500M tier

864

First Mortgage Concentration (%)

balance_sheet

Value: 45.25%

Peer Avg: -

#864 of 1077 Bottom 19.9% in 100M-500M tier

822

Total Delinquency Rate (60+ days)

risk

Value: 1.16%

Peer Avg: -

#822 of 1077 Bottom 23.8% in 100M-500M tier