BlastPoint's Credit Union Scorecard

CREDIT UNION 1

Charter #66157 · AK

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 1 in AK

View Mid-Market leaderboard →

CREDIT UNION 1 has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AK Analysis

How does AK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 8.6% in tier
+ ROA 0.69% above tier average
+ Net Interest Margin 1.48% above tier average
+ Share Certificate Concentration (%): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 21.4% in tier
- Indirect Auto Dependency: Bottom 73.2% in tier
- Members Per Employee (MPE): Bottom 6.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	96,058 +3.1% YoY+0.6% QoQ	+9	96,048 -2.7% YoY	114,751 +3.4% YoY	33,913 +5.7% YoY	58%
Assets	$1.5B +2.6% YoY+0.5% QoQ	$-186.3M	$1.7B +0.4% YoY	$1.8B +8.8% YoY	$578.3M +9.0% YoY	52%
Loans	$1.2B +5.5% YoY+1.2% QoQ	$-31.5M	$1.2B +0.2% YoY	$1.4B +7.7% YoY	$402.4M +8.7% YoY	59%
Deposits	$1.2B +4.2% YoY+1.0% QoQ	$-224.4M	$1.5B +0.5% YoY	$1.6B +10.3% YoY	$494.3M +9.1% YoY	44%

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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	1.4% +24.9% YoY+34.8% QoQ	+0.7%	0.7% +27.6% YoY	0.8% +12.2% YoY	0.4% -39.2% YoY	Top 8.5% in tier
NIM	4.8% +9.1% YoY+4.4% QoQ	+1.5%	3.4% +6.2% YoY	4.2% +5.3% YoY	3.8% +4.1% YoY	Top 1.6% in tier
Efficiency Ratio	70.9% -3.2% YoY+0.8% QoQ	-3.7%	74.6% -3.0% YoY	77.7% -1.8% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	0.8% -7.0% YoY-16.1% QoQ	+0.0	0.8% +6.9% YoY	0.8% +11.5% YoY	1.2% +3.4% YoY	67%
Loan To Share	95.2% +1.3% YoY+0.3% QoQ	+12.1%	83.2% -0.4% YoY	75.0% -0.5% YoY	65.6% -1.4% YoY	81%
AMR	$25,228 +1.7% YoY+0.5% QoQ	$-4K	$29,652 +2.3% YoY	$26,073 +2.2% YoY	$19,920 +1.6% YoY	32%
CD Concentration	16.6% +12.4% YoY+1.2% QoQ	-12.3%	28.8%	22.8%	19.8%	Bottom 7.0% in tier
Indirect Auto %	22.5% -4.1% YoY+1.5% QoQ	+4.5%	18.1%	15.3%	7.7%	66%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#25 of 79 • Top 8.6% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.40%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 3.06%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#87 of 148 • Bottom 21.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 95.25%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.53%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#171 of 198 • Bottom 73.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.62%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 22.54%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.06%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.83%

Peer Median: 3.37%

#5 of 306 Top 1.3% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.59%

Peer Median: 27.93%

#24 of 306 Top 7.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: 0.66%

#26 of 306 Top 8.2% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.36%

Peer Median: 10.85%

#33 of 306 Top 10.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.25%

Peer Median: 85.31%

#58 of 306 Top 18.6% in 1B-3B tier

Fee Income Per Member

profitability

Value: $248.19

Peer Median: $191.54

#70 of 306 Top 22.5% in 1B-3B tier

Top Weaknesses (2 metrics)

287

Members Per Employee (MPE)

engagement

Value: 248.212

Peer Median: 345.077

#287 of 306 Bottom 6.5% in 1B-3B tier

239

Net Charge-Off Rate

risk

Value: 0.80%

Peer Median: 0.51%

#239 of 306 Bottom 22.2% in 1B-3B tier