BlastPoint's Credit Union Scorecard
ENT
Charter #68671 · CO
ENT has 8 strengths but faces 5 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 4.0% in tier
- + Wallet Share Momentum: Top 8.0% in tier
- + Net Interest Margin 0.49% above tier average
- + Strong member growth: 66.3% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 4.0% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Deposit Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.0% in tier
- - Liquidity Strain: Bottom 16.0% in tier
- - Credit Quality Pressure: Bottom 56.0% in tier
- - ROA 0.56% below tier average
- - Efficiency ratio 13.53% above tier (higher cost structure)
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 25 credit unions with $10B+ in assets nationally, and 1 of 1 that size in Colorado.
- Shares and deposits +90.5% year over year ($16.0B in shares and deposits).
- Membership: 958,216 members, +66.3% vs a year ago.
- Delinquency rate 0.64%.
- Return on assets 0.47%.
- Efficiency ratio 75.10% vs a 61.57% peer average.
- Loan-to-share ratio 100.51% vs a 87.50% 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 |
958,216
+66.3% YoY+1.0% QoQ
|
-713.7K |
1,671,910
-4.2% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$19.4B
+88.0% YoY-0.5% QoQ
|
$-8.3B |
$27.7B
+0.2% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$16.1B
+80.2% YoY+2.1% QoQ
|
$-4.0B |
$20.0B
-0.9% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
56% |
| Deposits |
$16.0B
+90.5% YoY-1.3% QoQ
|
$-7.5B |
$23.5B
+0.4% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+43.9% YoY
|
-0.6% |
1.0%
+45.0% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.0% in tier |
| NIM |
3.7%
+10.0% YoY+3.7% QoQ
|
+0.5% |
3.2%
+5.4% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
80% |
| Efficiency Ratio |
75.1%
-1.5% YoY-5.7% QoQ
|
+13.5% |
61.6%
-6.2% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.6%
+12.5% YoY+25.6% QoQ
|
-0.4 |
1.0%
-2.7% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
100.5%
-5.4% YoY+3.5% QoQ
|
+13.0% |
87.5%
-3.0% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$33,471
+11.3% YoY-0.6% QoQ
|
+$622 |
$32,850
+5.7% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
25.5%
-6.9% YoY+0.9% QoQ
|
-4.7% | 30.2% | 27.0% | 20.0% | 16% |
| Indirect Auto % |
11.1%
-38.1% YoY+2.4% QoQ
|
-3.9% | 15.0% | 12.3% | 7.7% | 48% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)