BlastPoint's Credit Union Scorecard

ELEVATIONS

Charter #68565 · CO

Mid-Market 3B-5B

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

View Mid-Market leaderboard →

ELEVATIONS has 7 strengths but faces 4 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 35.4% in tier
+ Organic Growth Leader: Top 76.6% in tier
+ ROA 0.36% above tier average
+ Net Interest Margin 0.59% above tier average
+ Total Delinquency Rate (60+ days): Top 1.3% in tier
+ Net Charge-Off Rate: Top 5.3% in tier
+ Indirect Auto Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 63.0% in tier
- Shrinking Wallet Share: Bottom 96.2% in tier
- Efficiency ratio 5.60% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 3.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	179,924 +1.8% YoY+0.1% QoQ	-50.4K	230,353 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	32%
Assets	$3.5B +4.0% YoY+2.9% QoQ	$-424.8M	$3.9B +0.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	29%
Loans	$2.6B -1.3% YoY+0.2% QoQ	$-298.2M	$2.9B -0.2% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	28%
Deposits	$2.7B +3.5% YoY+2.5% QoQ	$-637.4M	$3.3B -0.3% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	Bottom 13.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% +2.9% YoY-6.5% QoQ	+0.4%	0.7% +16.8% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	74%
NIM	3.7% +4.4% YoY-1.4% QoQ	+0.6%	3.1% +9.8% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	83%
Efficiency Ratio	77.0% -1.8% YoY+1.0% QoQ	+5.6%	71.4% -1.4% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	76%
Delinquency Rate	0.2% -53.7% YoY-13.5% QoQ	-0.7	0.9% +5.8% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Bottom 1.3% in tier
Loan To Share	98.6% -4.6% YoY-2.3% QoQ	+9.7%	88.9% -0.2% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	75%
AMR	$29,515 -0.7% YoY+1.2% QoQ	$-168	$29,682 +1.5% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	55%
CD Concentration	23.5% +7.4% YoY-4.3% QoQ	-5.5%	29.0%	26.2%	19.8%	26%
Indirect Auto %	0.9% -26.8% YoY-9.1% QoQ	-17.4%	18.3%	12.2%	7.8%	17%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#88 of 247 • Top 35.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.79%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.07%

(Tier: 0.69%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.87%

(Tier: 18.31%, National: 7.78%)

better than tier avg

247 of 378 Mid-Market CUs have this signature | 913 nationally

→ No prior data (247 CUs now) | New qualifier

Organic Growth Leader

growth

#109 of 142 • Top 76.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.79%

(Tier: 3.43%, National: 4.32%)

but worse than tier avg

Indirect Auto %: 0.87%

(Tier: 18.31%, National: 7.78%)

better than tier avg

142 of 378 Mid-Market CUs have this signature | 609 nationally

→ No prior data (142 CUs now) | New qualifier

Concerns (2)

Liquidity Strain

risk

#105 of 166 • Bottom 63.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 98.64%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -1.26%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#76 of 79 • Bottom 96.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.70%

(Tier: 3.31%, National: 4.00%)

worse than tier avg

79 of 378 Mid-Market CUs have this signature | 303 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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 76 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.16%

Peer Median: -

#2 of 76 Top 1.3% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#5 of 76 Top 5.3% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.87%

Peer Median: -

#7 of 76 Top 7.9% in 3B-5B tier

Fee Income Per Member

profitability

Value: $265.53

Peer Median: -

#10 of 76 Top 11.8% in 3B-5B tier

Net Interest Margin (NIM)

profitability

Value: 3.73%

Peer Median: -

#13 of 76 Top 15.8% in 3B-5B tier

Share Certificate Concentration (%)

balance_sheet

Value: 23.51%

Peer Median: -

#18 of 76 Top 22.4% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 98.64%

Peer Median: -

#19 of 76 Top 23.7% in 3B-5B tier

Return on Assets (ROA)

profitability

Value: 1.07%

Peer Median: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 66.12%

Peer Median: -

#74 of 76 Bottom 3.9% in 3B-5B tier

Total Deposits

balance_sheet

Value: $2.67B

Peer Median: -

#66 of 76 Bottom 14.5% in 3B-5B tier

Loan Growth Rate

growth

Value: -1.26%

Peer Median: -

#65 of 76 Bottom 15.8% in 3B-5B tier

Efficiency Ratio

profitability

Value: 77.01%

Peer Median: -

#59 of 76 Bottom 23.7% in 3B-5B tier

AMR Growth Rate

growth

Value: -0.70%

Peer Median: -

#58 of 76 Bottom 25.0% in 3B-5B tier