BlastPoint's Credit Union Scorecard

ELEVATIONS

Charter #68565 · CO

Mid-Market 3B-5B

77 CUs in 3B-5B nationally 2 in CO

View Mid-Market leaderboard →

ELEVATIONS has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 55.6% in tier
+ Organic Growth Leader: Top 55.6% in tier
+ ROA 0.06% above tier average
+ Net Interest Margin 0.46% above tier average
+ Net Charge-Off Rate: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.2% in tier
- Liquidity Strain: Bottom 16.5% in tier
- Margin Compression: Bottom 32.0% in tier
- Credit Risk Growth: Bottom 69.6% in tier
- Efficiency ratio 9.51% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 3.9% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 2 that size in Colorado.
Shares and deposits +4.2% year over year ($2.71B in shares and deposits).
Membership: 181,287 members, +1.6% vs a year ago.
Delinquency rate 0.49%.
Return on assets 0.99%.
Efficiency ratio 78.96% vs a 69.45% peer average.
Loan-to-share ratio 99.64% vs a 90.24% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	181,287 +1.6% YoY+0.6% QoQ	-35.3K	216,545 -9.5% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	31%
Assets	$3.5B +4.1% YoY-0.6% QoQ	$-378.0M	$3.9B -1.6% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	34%
Loans	$2.7B +2.6% YoY+0.6% QoQ	$-232.5M	$2.9B -1.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	30%
Deposits	$2.7B +4.2% YoY-0.5% QoQ	$-548.9M	$3.3B -2.6% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	17%

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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	1.0% -17.0% YoY+8.5% QoQ	+0.1%	0.9% +25.3% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	57%
NIM	3.7% -1.4% YoY+2.1% QoQ	+0.5%	3.2% +3.8% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	79%
Efficiency Ratio	79.0% +4.0% YoY-3.1% QoQ	+9.5%	69.5% -2.3% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	Bottom 14.3% in tier
Delinquency Rate	0.5% +161.3% YoY+15.8% QoQ	-0.3	0.8% +5.5% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	32%
Loan To Share	99.6% -1.5% YoY+1.1% QoQ	+9.4%	90.2% +0.9% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	75%
AMR	$29,826 +1.8% YoY-0.5% QoQ	$-1K	$31,018 +6.9% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	56%
CD Concentration	23.9% +1.0% YoY+0.6% QoQ	-5.2%	29.1%	27.0%	20.0%	27%
Indirect Auto %	0.7% -29.3% YoY-6.5% QoQ	-17.3%	18.1%	12.3%	7.7%	16%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#73 of 113 • Top 55.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.56%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.99%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.73%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Organic Growth Leader

growth

#94 of 112 • Top 55.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.56%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 0.73%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Concerns (4)

Margin Compression

decline

#4 of 20 • Bottom 32.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.99%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.20%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.20% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY | New qualifier

Credit Quality Pressure

risk

#49 of 215 • Bottom 13.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#87 of 170 • Bottom 69.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.60%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.30% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Liquidity Strain

risk

#89 of 168 • Bottom 16.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 99.64%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.60%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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 77 peers in tier

Top Strengths (6 metrics)

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.47%

#6 of 77 Top 6.5% in 3B-5B tier

Fee Income Per Member

profitability

Value: $272.83

Peer Median: $211.54

#9 of 77 Top 10.4% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.73%

Peer Median: 18.00%

#9 of 77 Top 10.4% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.90%

Peer Median: 32.00%

#14 of 77 Top 16.9% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.70%

Peer Median: 3.28%

#16 of 77 Top 19.5% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 99.64%

Peer Median: 93.34%

#19 of 77 Top 23.4% in 3B-5B tier

Top Weaknesses (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 67.70%

Peer Median: 32.92%

#75 of 77 Bottom 3.9% in 3B-5B tier

Efficiency Ratio

profitability

Value: 78.96%

Peer Median: 68.32%

#67 of 77 Bottom 14.3% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.71B

Peer Median: $3.34B

#64 of 77 Bottom 18.2% in 3B-5B tier