BlastPoint's Credit Union Scorecard
CONNEX
Charter #68511 · CT
CONNEX has 4 strengths but faces 14 concerns
How does the industry compare?
What's your peer group doing?
How does CT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.2% in tier
- + Strong member growth: 7.5% YoY
- + Members Per Employee (MPE): Top 7.2% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 3.0% in tier
- - Liquidity Strain: Bottom 15.7% in tier
- - Efficiency Drag: Bottom 17.3% in tier
- - Indirect Auto Dependency: Bottom 19.0% in tier
- - Deposit Outflow: Bottom 100.0% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 8.93% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 3.6% in tier
- - Total Deposits: Bottom 4.6% in tier
- - Total Assets: Bottom 6.2% in tier
- - Net Interest Margin (NIM): Bottom 6.6% in tier
- - Indirect Auto Concentration (%): Bottom 8.6% in tier
- - Fee Income Per Member: Bottom 9.5% in tier
- - Deposit Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,152
+7.5% YoY+6.9% QoQ
|
-23.5K |
98,678
-1.9% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
33% |
| Assets |
$1.1B
+1.7% YoY-0.6% QoQ
|
$-669.2M |
$1.7B
+0.5% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.9% in tier |
| Loans |
$903.9M
-0.7% YoY-0.2% QoQ
|
$-329.2M |
$1.2B
+0.5% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$872.9M
-1.9% YoY-1.9% QoQ
|
$-581.4M |
$1.5B
+1.3% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.3% in tier |
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| ROA |
0.3%
+28.3% YoY+37.1% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 14.8% in tier |
| NIM |
2.3%
+16.2% YoY+2.3% QoQ
|
-1.0% |
3.3%
+9.3% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio |
82.9%
-3.0% YoY+0.0% QoQ
|
+8.9% |
74.0%
-10.9% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
Top 14.8% in tier |
| Delinquency Rate |
0.7%
-12.6% YoY+3.7% QoQ
|
-0.1 |
0.8%
+6.1% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
103.5%
+1.2% YoY+1.7% QoQ
|
+18.3% |
85.2%
-0.8% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
Top 8.2% in tier |
| AMR |
$23,643
-8.2% YoY-7.4% QoQ
|
$-6K |
$29,172
+2.8% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
36.0%
-4.5% YoY+1.6% QoQ
|
+7.1% |
29.0%
+0.7% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
80% |
| Indirect Auto % |
41.7%
-8.1% YoY-2.4% QoQ
|
+23.0% |
18.8%
-3.0% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
Top 9.5% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)