BlastPoint's Credit Union Scorecard
CONNEX
Charter #68511 · CT
CONNEX has 3 strengths but faces 15 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 91.5% in tier
- + Members Per Employee (MPE): Top 8.9% in tier
- + Loan-to-Share Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 23.1% in tier
- - Liquidity Strain: Bottom 54.5% in tier
- - Indirect Auto Dependency: Bottom 64.6% in tier
- - Efficiency Drag: Bottom 76.4% in tier
- - Deposit Outflow: Bottom 100.0% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 8.36% above tier (higher cost structure)
- - Total Assets: Bottom 2.0% in tier
- - Total Deposits: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 7.0% in tier
- - Fee Income Per Member: Bottom 7.9% in tier
- - Indirect Auto Concentration (%): Bottom 8.3% in tier
- - Asset Growth Rate: Bottom 8.6% in tier
- - Deposit Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
72,266
+3.4% YoY-3.8% QoQ
|
-25.2K |
97,431
-2.4% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
30% |
| Assets |
$1.0B
-1.6% YoY-2.0% QoQ
|
$-693.7M |
$1.7B
+0.9% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.7% in tier |
| Loans |
$891.2M
-2.8% YoY-1.4% QoQ
|
$-343.2M |
$1.2B
+0.5% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$876.2M
-1.4% YoY+0.4% QoQ
|
$-583.1M |
$1.5B
+0.9% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.0% in tier |
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| ROA |
0.4%
+212.8% YoY+16.2% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
2.4%
+18.7% YoY+3.9% QoQ
|
-0.9% |
3.3%
+9.2% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
82.4%
-8.8% YoY-0.6% QoQ
|
+8.4% |
74.1%
-9.5% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.7%
-11.4% YoY-1.5% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
101.7%
-1.5% YoY-1.8% QoQ
|
+16.9% |
84.8%
-0.8% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 9.6% in tier |
| AMR |
$24,457
-5.3% YoY+3.4% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
35.8%
-7.9% YoY-0.8% QoQ
|
+6.7% | 29.0% | 14.6% | 19.8% | 79% |
| Indirect Auto % |
40.9%
-7.1% YoY-1.9% QoQ
|
+22.6% | 18.3% | 4.6% | 7.8% | Top 9.0% 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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)