BlastPoint's Credit Union Scorecard

TECHNOLOGY

Charter #68383 · CA

Mid-Market 3B-5B

Tech CU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Tech CU is one of 101 credit unions in the 2026 VentureTech card set. We also found Tech CU'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

Tech CU

Turn your sound on

77 CUs in 3B-5B nationally 11 in CA

View Mid-Market leaderboard →

TECHNOLOGY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 3.8% in tier
+ AMR Growth Rate: Top 1.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 34.4% in tier
- Membership Headwinds: Bottom 98.9% in tier
- Stagnation Risk: Bottom 98.9% in tier
- ROA 0.83% below tier average
- Efficiency ratio 8.49% above tier (higher cost structure)
- Member decline: -14.6% YoY
- Fee Income Per Member: Bottom 3.9% in tier
- Member Growth Rate: Bottom 5.2% 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

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	172,314 -14.6% YoY-1.4% QoQ	-44.2K	216,545 -9.5% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	23%
Assets	$4.5B -0.7% YoY-2.5% QoQ	+$636.2M	$3.9B -1.6% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	82%
Loans	$3.4B -0.1% YoY-1.0% QoQ	+$465.4M	$2.9B -1.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	75%
Deposits	$3.6B -0.7% YoY-3.1% QoQ	+$388.4M	$3.3B -2.6% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	73%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.1% -264.2% YoY-5.1% QoQ	-0.8%	0.9% +25.3% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 2.6% in tier
NIM	2.5% +14.7% YoY+2.1% QoQ	-0.7%	3.2% +3.8% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 14.3% in tier
Efficiency Ratio	77.9% -4.8% YoY-0.9% QoQ	+8.5%	69.5% -2.3% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	83%
Delinquency Rate	0.6% -7.7% YoY+6.0% QoQ	-0.3	0.8% +5.5% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	39%
Loan To Share	93.2% +0.7% YoY+2.2% QoQ	+2.9%	90.2% +0.9% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	48%
AMR	$40,868 +16.7% YoY-0.7% QoQ	+$10K	$31,018 +6.9% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 13.0% in tier
CD Concentration	38.8% -4.1% YoY+2.3% QoQ	+9.7%	29.1%	22.2%	20.0%	Top 12.8% in tier
Indirect Auto %	5.3% -8.7% YoY-0.4% QoQ	-12.8%	18.1%	9.2%	7.7%	25%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#5 of 69 • Top 3.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 16.66%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $4.2K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | New qualifier

Wallet Share Momentum

growth

#14 of 125 • Top 3.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 16.66%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#5 of 86 • Bottom 98.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.64%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Stagnation Risk

risk

#16 of 86 • Bottom 98.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.64%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.06%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.57%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | New qualifier

Liquidity Strain

risk

#154 of 168 • Bottom 34.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.17%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -0.06%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

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

→ Stable (173→168 CUs) -5 CUs YoY

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 77 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 16.66%

Peer Median: 3.17%

#2 of 77 Top 1.3% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $40,868

Peer Median: $28,880

#10 of 77 Top 11.7% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,711

Peer Median: $13,282

#10 of 77 Top 11.7% in 3B-5B tier

Total Assets

balance_sheet

Value: $4.54B

Peer Median: $3.97B

#14 of 77 Top 16.9% in 3B-5B tier

Members Per Employee (MPE)

engagement

Value: 493.736

Peer Median: 390.144

#14 of 77 Top 16.9% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 5.26%

Peer Median: 18.00%

#16 of 77 Top 19.5% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.40B

Peer Median: $2.91B

#19 of 77 Top 23.4% in 3B-5B tier

Top Weaknesses (10 metrics)

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.94%

#75 of 77 Bottom 3.9% in 3B-5B tier

Fee Income Per Member

profitability

Value: $64.71

Peer Median: $211.54

#75 of 77 Bottom 3.9% in 3B-5B tier

Member Growth Rate

growth

Value: -14.64%

Peer Median: 3.08%

#74 of 77 Bottom 5.2% in 3B-5B tier

Deposit Growth Rate

growth

Value: -0.73%

Peer Median: 5.62%

#71 of 77 Bottom 9.1% in 3B-5B tier

Asset Growth Rate

growth

Value: -0.73%

Peer Median: 5.91%

#69 of 77 Bottom 11.7% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 2.54%

Peer Median: 3.28%

#66 of 77 Bottom 15.6% in 3B-5B tier

Loan Growth Rate

growth

Value: -0.06%

Peer Median: 6.20%

#66 of 77 Bottom 15.6% in 3B-5B tier

Efficiency Ratio

profitability

Value: 77.95%

Peer Median: 68.32%

#65 of 77 Bottom 16.9% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 38.75%

Peer Median: 32.00%

#61 of 77 Bottom 22.1% in 3B-5B tier

Total Members

engagement

Value: 172,314

Peer Median: 211,695

#59 of 77 Bottom 24.7% in 3B-5B tier