BlastPoint's Credit Union Scorecard
ELEVATIONS
Charter #68565 · CO
ELEVATIONS has 5 strengths but faces 7 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 55.8% in tier
- + Organic Growth Leader: Top 55.8% in tier
- + ROA 0.18% above tier average
- + Net Interest Margin 0.42% above tier average
- + Net Charge-Off Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 14.9% in tier
- - Credit Quality Pressure: Bottom 20.5% in tier
- - Efficiency Drag: Bottom 21.1% in tier
- - Margin Compression: Bottom 30.3% in tier
- - Credit Risk Growth: Bottom 74.5% in tier
- - Efficiency ratio 10.21% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
180,272
+1.6% YoY+0.2% QoQ
|
-40.2K |
220,435
-7.6% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
32% |
| Assets |
$3.5B
+3.6% YoY+0.8% QoQ
|
$-370.6M |
$3.9B
-1.5% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$2.7B
+1.3% YoY+1.7% QoQ
|
$-210.8M |
$2.9B
-1.1% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
36% |
| Deposits |
$2.7B
+3.4% YoY+1.8% QoQ
|
$-577.2M |
$3.3B
-2.5% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
18% |
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| ROA |
0.9%
-10.2% YoY-14.6% QoQ
|
+0.2% |
0.7%
+10.6% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.6%
-2.0% YoY-2.8% QoQ
|
+0.4% |
3.2%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
74% |
| Efficiency Ratio |
81.5%
+6.7% YoY+5.8% QoQ
|
+10.2% |
71.3%
-2.6% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
83% |
| Delinquency Rate |
0.4%
+78.3% YoY+166.9% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
98.6%
-2.0% YoY-0.1% QoQ
|
+10.6% |
88.0%
+0.9% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
78% |
| AMR |
$29,971
+0.7% YoY+1.5% QoQ
|
$-701 |
$30,672
+5.5% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
23.8%
+8.9% YoY+1.0% QoQ
|
-5.1% | 28.8% | 26.7% | 19.8% | 27% |
| Indirect Auto % |
0.8%
-29.1% YoY-9.2% QoQ
|
-17.3% | 18.1% | 12.4% | 7.7% | 17% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)