BlastPoint's Credit Union Scorecard

CREDIT UNION 1

Charter #66157 · AK

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 2 in AK

View Mid-Market leaderboard →

CREDIT UNION 1 has 5 strengths but faces 4 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

+ Organic Growth Engine: Top 37.4% in tier
+ Emerging Performer: Top 40.8% in tier
+ ROA 0.36% above tier average
+ Net Interest Margin 1.35% above tier average
+ Share Certificate Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 57.6% in tier
- Indirect Auto Dependency: Bottom 87.7% in tier
- Delinquency rate 0.06% above tier average
- Members Per Employee (MPE): Bottom 5.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (AK)	National Avg	Tier Percentile
Members	95,518 +3.1% YoY+0.5% QoQ	-1.9K	97,431 -2.4% YoY	113,831 +3.1% YoY	33,374 +5.7% YoY	57%
Assets	$1.5B +3.9% YoY+1.7% QoQ	$-197.2M	$1.7B +0.9% YoY	$1.8B +10.4% YoY	$561.6M +9.7% YoY	51%
Loans	$1.2B +6.2% YoY-2.2% QoQ	$-66.5M	$1.2B +0.5% YoY	$1.5B +8.8% YoY	$397.0M +8.8% YoY	56%
Deposits	$1.2B +5.4% YoY+2.6% QoQ	$-230.0M	$1.5B +0.9% YoY	$1.6B +11.8% YoY	$477.3M +9.7% YoY	43%

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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	1.0% +7.9% YoY-14.9% QoQ	+0.4%	0.7% +20.9% YoY	0.6% +35.7% YoY	0.7% +15.9% YoY	81%
NIM	4.6% +8.2% YoY+0.3% QoQ	+1.4%	3.3% +9.2% YoY	4.2% +5.1% YoY	3.8% +5.1% YoY	Top 2.0% in tier
Efficiency Ratio	70.3% -5.1% YoY+2.9% QoQ	-3.7%	74.1% -9.5% YoY	78.5% -3.0% YoY	79.7% -3.3% YoY	33%
Delinquency Rate	1.0% -5.6% YoY-8.0% QoQ	+0.1	0.9% +6.2% YoY	0.9% -6.6% YoY	1.3% -2.1% YoY	67%
Loan To Share	95.0% +0.7% YoY-4.7% QoQ	+10.2%	84.8% -0.8% YoY	75.9% -0.1% YoY	67.4% -1.7% YoY	76%
AMR	$25,097 +2.6% YoY-0.3% QoQ	$-4K	$29,428 +2.4% YoY	$26,046 +3.3% YoY	$19,687 +2.0% YoY	33%
CD Concentration	16.4% +14.2% YoY+3.7% QoQ	-12.7%	29.0%	22.5%	19.8%	Bottom 7.7% in tier
Indirect Auto %	22.2% -5.7% YoY-5.6% QoQ	+3.9%	18.3%	15.8%	7.8%	64%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#93 of 247 • Top 37.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.14%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.04%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 22.21%

(Tier: 18.31%, National: 7.78%)

but worse than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth

#32 of 77 • Top 40.8% 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: 1.04%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Member Growth (YoY): 3.14%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

77 of 378 Mid-Market CUs have this signature | 282 nationally

→ No prior data (77 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#96 of 166 • Bottom 57.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.00%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 6.16%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#172 of 196 • Bottom 87.7% in tier

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

Why This Signature

Asset Growth (YoY): 3.90%

(Tier: 6.83%, National: 3.54%)

worse than tier avg

Indirect Auto %: 22.21%

(Tier: 18.31%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 3.14%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

196 of 378 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -11 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 302 peers in tier

Top Strengths (6 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.63%

Peer Median: -

#6 of 302 Top 1.7% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 16.39%

Peer Median: -

#25 of 302 Top 7.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 14.10%

Peer Median: -

#33 of 302 Top 10.6% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.04%

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

Fee Income Per Member

profitability

Value: $263.52

Peer Median: -

#57 of 302 Top 18.5% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.00%

Peer Median: -

#72 of 302 Top 23.5% in 1B-3B tier

Top Weaknesses (1 metrics)

288

Members Per Employee (MPE)

engagement

Value: 245.548

Peer Median: -

#288 of 302 Bottom 5.0% in 1B-3B tier