BlastPoint's Credit Union Scorecard

CREDIT UNION 1

Charter #66157 · AK

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

CREDIT UNION 1 has 8 strengths but faces 5 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 16.8% in tier
+ ROA 0.42% above tier average
+ Net Interest Margin 1.31% above tier average
+ Strong member growth: 19.7% YoY
+ Member Growth Rate: Top 1.3% in tier
+ Deposit Growth Rate: Top 5.0% in tier
+ Loan Growth Rate: Top 6.0% in tier
+ Asset Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 7.8% in tier
- Liquidity Strain: Bottom 24.0% in tier
- Shrinking Wallet Share: Bottom 88.7% in tier
- Delinquency rate 0.15% above tier average
- Members Per Employee (MPE): Bottom 6.3% in tier

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 300 credit unions with $1B-$3B in assets nationally, and 1 of 1 that size in Alaska.
Shares and deposits +17.9% year over year ($1.40B in shares and deposits).
Membership: 112,794 members, +19.7% vs a year ago.
Delinquency rate 1.01%.
Return on assets 1.24%.
Efficiency ratio 70.74% vs a 73.02% peer average.
Loan-to-share ratio 96.42% vs a 84.71% 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 (AK)	National Avg	Tier Percentile
Members	112,794 +19.7% YoY+17.4% QoQ	+15.9K	96,861 -1.9% YoY	129,879 +14.6% YoY	34,678 +6.6% YoY	69%
Assets	$1.7B +14.7% YoY+10.9% QoQ	$-23.7M	$1.7B +0.4% YoY	$2.1B +12.8% YoY	$593.1M +10.2% YoY	58%
Loans	$1.3B +16.2% YoY+14.1% QoQ	+$114.2M	$1.2B +0.7% YoY	$1.6B +10.6% YoY	$418.6M +10.1% YoY	66%
Deposits	$1.4B +17.9% YoY+12.7% QoQ	$-64.8M	$1.5B +0.5% YoY	$1.8B +13.3% YoY	$504.8M +10.3% YoY	56%

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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	1.2% +39.6% YoY-11.9% QoQ	+0.4%	0.8% +27.6% YoY	0.7% +29.6% YoY	1.2% +121.4% YoY	84%
NIM	4.7% +5.4% YoY-2.1% QoQ	+1.3%	3.4% +6.6% YoY	4.1% +0.6% YoY	3.8% +2.3% YoY	Top 2.0% in tier
Efficiency Ratio	70.7% -2.4% YoY-0.2% QoQ	-2.3%	73.0% -2.7% YoY	78.7% -1.6% YoY	83.0% -5.3% YoY	37%
Delinquency Rate	1.0% -7.2% YoY+25.5% QoQ	+0.1	0.9% +7.3% YoY	0.9% +11.4% YoY	1.3% +2.6% YoY	72%
Loan To Share	96.4% -1.5% YoY+1.2% QoQ	+11.7%	84.7% +0.1% YoY	75.1% -3.8% YoY	66.4% -1.4% YoY	80%
AMR	$24,354 -2.3% YoY-3.5% QoQ	$-5K	$29,575 +1.5% YoY	$26,986 +6.1% YoY	$20,028 -0.9% YoY	27%
CD Concentration	18.4% +19.6% YoY+10.8% QoQ	-10.7%	29.1%	21.4%	20.0%	Bottom 10.7% in tier
Indirect Auto %	19.7% -15.8% YoY-12.6% QoQ	+1.6%	18.1%	16.9%	7.7%	60%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#3 of 82 • Top 16.8% 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: 1.24%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 19.74%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank improving

Concerns (3)

Liquidity Strain

risk

#52 of 168 • Bottom 24.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.42%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 16.15%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#113 of 193 • Bottom 7.8% in tier

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

Why This Signature

Asset Growth (YoY): 14.68%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 19.69%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 19.74%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#43 of 69 • Bottom 88.7% in tier

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

Why This Signature

AMR Growth (YoY): -2.26%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 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 300 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 19.74%

Peer Median: 1.84%

#5 of 300 Top 1.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.73%

Peer Median: 3.46%

#6 of 300 Top 1.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 17.91%

Peer Median: 4.79%

#16 of 300 Top 5.0% in 1B-3B tier

Loan Growth Rate

growth

Value: 16.15%

Peer Median: 5.71%

#19 of 300 Top 6.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 14.68%

Peer Median: 5.21%

#21 of 300 Top 6.7% in 1B-3B tier

Net Worth Ratio

risk

Value: 15.48%

Peer Median: 10.91%

#28 of 300 Top 9.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.38%

Peer Median: 28.24%

#36 of 300 Top 11.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.77%

#47 of 300 Top 15.3% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.42%

Peer Median: 87.07%

#61 of 300 Top 20.0% in 1B-3B tier

Top Weaknesses (2 metrics)

282

Members Per Employee (MPE)

engagement

Value: 250.653

Peer Median: 346.173

#282 of 300 Bottom 6.3% in 1B-3B tier

265

AMR Growth Rate

growth

Value: -2.26%

Peer Median: 3.19%

#265 of 300 Bottom 12.0% in 1B-3B tier