BlastPoint's Credit Union Scorecard
ELEVATIONS
Charter #68565 · CO
ELEVATIONS has 9 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 16.6% in tier
- + Credit Quality Leader: Top 18.1% in tier
- + Organic Growth Leader: Top 32.9% in tier
- + Profitability Leader: Top 61.7% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.58% above tier average
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
- + Net Charge-Off Rate: Top 6.6% in tier
- + Indirect Auto Concentration (%): Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.2% in tier
- - Efficiency ratio 5.01% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.9% in tier
- - Total Deposits: Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
179,745
+0.9% YoY+0.7% QoQ
|
-58.7K |
238,465
+0.6% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
26% |
| Assets |
$3.4B
+3.1% YoY+0.9% QoQ
|
$-555.2M |
$4.0B
-0.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
20% |
| Loans |
$2.6B
+0.6% YoY+0.1% QoQ
|
$-386.0M |
$3.0B
+3.3% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$2.6B
+2.8% YoY+0.3% QoQ
|
$-725.3M |
$3.3B
+1.1% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.9% in tier |
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| ROA |
1.1%
+11.3% YoY-4.2% QoQ
|
+0.4% |
0.7%
+5.3% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
3.8%
+7.8% YoY+0.8% QoQ
|
+0.6% |
3.2%
+13.7% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
82% |
| Efficiency Ratio |
76.3%
-3.8% YoY+0.5% QoQ
|
+5.0% |
71.3%
-0.6% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.2%
-14.3% YoY-2.2% QoQ
|
-0.7 |
0.8%
+15.9% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
101.0%
-2.1% YoY-0.2% QoQ
|
+10.1% |
90.8%
+2.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$29,157
+0.7% YoY-0.5% QoQ
|
+$70 |
$29,088
+0.1% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
24.6%
+14.1% YoY+3.8% QoQ
|
-4.4% |
29.0%
+0.7% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
31% |
| Indirect Auto % |
1.0%
-26.0% YoY-8.3% QoQ
|
-17.8% |
18.8%
-3.0% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
17% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)