BlastPoint's Credit Union Scorecard

CREDIT UNION 1

Charter #66157 · AK

Mid-Market 1B-3B

Credit Union 1 at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Credit Union 1 is one of 101 credit unions in the 2026 VentureTech card set. We also found Credit Union 1's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Credit Union 1

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CREDIT UNION 1
PEER · AT VENTURETECH
PEER · AT VENTURETECH
CREDIT UNION 1'S BIGGEST OPPORTUNITY

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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