BlastPoint's Credit Union Scorecard

WATER AND POWER COMMUNITY

Charter #68493 · CA

Mid-Market 1B-3B

Water and Power at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Water and Power is one of 101 credit unions in the 2026 VentureTech card set. We also found Water and Power'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

Water and Power

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WATER AND POWER
PEER · AT VENTURETECH
PEER · AT VENTURETECH
WATER AND POWER'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 37 in CA

View Mid-Market leaderboard →

WATER AND POWER COMMUNITY has 3 strengths but faces 7 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

+ ROA 0.52% above tier average
+ Net Interest Margin 0.09% above tier average
+ Share Certificate Concentration (%): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 77.4% in tier
- Membership Headwinds: Bottom 77.4% in tier
- Total Deposits: Bottom 1.0% in tier
- Total Assets: Bottom 3.0% in tier
- Total Members: Bottom 3.3% in tier
- Total Loans: Bottom 5.7% in tier
- First Mortgage Concentration (%): Bottom 9.7% 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

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	44,471 -0.7% YoY-0.9% QoQ	-52.4K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 3.0% in tier
Assets	$1.0B +6.6% YoY+3.0% QoQ	$-703.9M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 2.7% in tier
Loans	$692.7M +0.4% YoY-0.9% QoQ	$-541.5M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 5.3% in tier
Deposits	$826.2M +0.4% YoY-1.0% QoQ	$-637.2M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 0.7% in tier

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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	1.3% +183.7% YoY+98.3% QoQ	+0.5%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Top 14.0% in tier
NIM	3.5% +3.8% YoY-0.9% QoQ	+0.1%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	54%
Efficiency Ratio	68.3% -6.9% YoY-13.5% QoQ	-4.7%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	29%
Delinquency Rate	0.6% -23.1% YoY+3.5% QoQ	-0.3	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	41%
Loan To Share	83.8% +0.0% YoY+0.1% QoQ	-0.9%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	41%
AMR	$34,154 +1.2% YoY-0.1% QoQ	+$5K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	79%
CD Concentration	17.5% +12.3% YoY+8.0% QoQ	-11.5%	29.1%	22.2%	20.0%	Bottom 8.8% in tier
Indirect Auto %	1.2% -41.6% YoY-13.2% QoQ	-16.9%	18.1%	9.2%	7.7%	18%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#69 of 69 • Top 67.7% 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): 1.18%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.2K

(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 | Rank improving

Concerns (2)

Stagnation Risk

risk

#70 of 86 • Bottom 77.4% 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): -0.73%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 0.44%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.61%

(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

Membership Headwinds

decline

#85 of 86 • Bottom 77.4% in tier

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

Why This Signature

Member Growth (YoY): -0.73%

(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

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 (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 17.54%

Peer Median: 28.24%

#30 of 300 Top 9.7% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Median: 0.77%

#42 of 300 Top 13.7% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 1.23%

Peer Median: 14.26%

#60 of 300 Top 19.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $34,154

Peer Median: $28,089

#63 of 300 Top 20.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,576

Peer Median: $12,809

#64 of 300 Top 21.0% in 1B-3B tier

Top Weaknesses (8 metrics)

298

Total Deposits

balance_sheet

Value: $826.15M

Peer Median: $1.30B

#298 of 300 Bottom 1.0% in 1B-3B tier

292

Total Assets

balance_sheet

Value: $1.02B

Peer Median: $1.51B

#292 of 300 Bottom 3.0% in 1B-3B tier

291

Total Members

engagement

Value: 44,471

Peer Median: 86,516

#291 of 300 Bottom 3.3% in 1B-3B tier

284

Total Loans

balance_sheet

Value: $692.69M

Peer Median: $1.14B

#284 of 300 Bottom 5.7% in 1B-3B tier

272

First Mortgage Concentration (%)

balance_sheet

Value: 53.91%

Peer Median: 33.59%

#272 of 300 Bottom 9.7% in 1B-3B tier

257

Deposit Growth Rate

growth

Value: 0.44%

Peer Median: 4.79%

#257 of 300 Bottom 14.7% in 1B-3B tier

241

Loan Growth Rate

growth

Value: 0.44%

Peer Median: 5.71%

#241 of 300 Bottom 20.0% in 1B-3B tier

226

Member Growth Rate

growth

Value: -0.73%

Peer Median: 1.84%

#226 of 300 Bottom 25.0% in 1B-3B tier