BlastPoint's Credit Union Scorecard

ENT

Charter #68671 · CO

Large 7B-10B

30 CUs in 7B-10B nationally 2 in CO

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ENT has 8 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Large 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 Leader: Top 2.4% in tier
+ Organic Growth Engine: Top 14.2% in tier
+ Net Interest Margin 0.55% above tier average
+ Strong member growth: 5.5% YoY
+ Total Loans: Top 0.0% in tier
+ Total Deposits: Top 3.3% in tier
+ Loan-to-Share Ratio: Top 6.7% in tier
+ Member Growth Rate: Top 10.0% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 4.2% in tier
- Credit Quality Pressure: Bottom 13.9% in tier
- Liquidity Strain: Bottom 14.1% in tier
- Cost Spiral: Bottom 20.0% in tier
- Credit Risk Growth: Bottom 23.7% in tier
- Indirect Auto Dependency: Bottom 32.3% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.49% below tier average
- Efficiency ratio 11.11% above tier (higher cost structure)
- Asset Growth Rate: Bottom 10.0% in tier
- Deposit Growth Rate: Bottom 10.0% in tier
- AMR Growth Rate: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	581,730 +5.5% YoY+1.0% QoQ	+122.4K	459,296 +3.8% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	80%
Assets	$9.7B -2.3% YoY-5.8% QoQ	+$790.8M	$8.9B +1.2% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	80%
Loans	$8.5B +0.6% YoY-4.9% QoQ	+$2.1B	$6.3B +2.9% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	Top 3.3% in tier
Deposits	$8.3B -1.2% YoY-0.9% QoQ	+$868.0M	$7.5B +2.3% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	Top 6.7% in tier

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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	0.5% -24.5% YoY+64.7% QoQ	-0.5%	1.0% +22.1% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Bottom 13.3% in tier
NIM	3.6% +7.4% YoY+4.4% QoQ	+0.5%	3.0% +11.5% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	80%
Efficiency Ratio	74.8% +7.4% YoY-1.9% QoQ	+11.1%	63.7% -2.2% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	80%
Delinquency Rate	0.6% +14.6% YoY+11.3% QoQ	-0.0	0.7% +10.8% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	40%
Loan To Share	101.9% +1.9% YoY-4.1% QoQ	+16.5%	85.4% +0.7% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	Top 10.0% in tier
AMR	$28,885 -5.5% YoY-3.9% QoQ	$-5K	$33,660 -2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	37%
CD Concentration	28.0% -10.0% YoY+2.4% QoQ	-0.9%	28.9% -1.3% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	47%
Indirect Auto %	15.2% -27.2% YoY-15.5% QoQ	-1.4%	16.6% -10.3% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	48%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#3 of 28 • Top 2.4% in tier

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

Why This Signature

Member Growth (YoY): 5.52%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Indirect Auto %: 15.18%

(Tier: 16.60%, National: 7.90%)

better than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | New qualifier

Organic Growth Engine

growth

#22 of 50 • Top 14.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.52%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 0.54%

(Tier: 0.91%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 15.18%

(Tier: 16.60%, National: 7.90%)

better than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY

Concerns (7)

Shrinking Wallet Share

decline

#3 of 15 • Bottom 4.2% in tier

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

Why This Signature

AMR Growth (YoY): -5.54%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

15 of 64 Large CUs have this signature | 346 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Credit Quality Pressure

risk

#18 of 34 • Bottom 13.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY

Liquidity Strain

risk

#13 of 32 • Bottom 14.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 101.92%

(Tier: 84.48%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 0.60%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

32 of 64 Large CUs have this signature | 484 nationally

→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Cost Spiral

risk

#3 of 3 • Bottom 20.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.14% points

(Tier: -1.02% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 51.31%

(Tier: 43.13%, National: 63.68%)

worse than tier avg

3 of 64 Large CUs have this signature | 80 nationally

→ No prior data (3 CUs now) | New qualifier

Credit Risk Growth

risk

#24 of 25 • Bottom 23.7% in tier

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

Why This Signature

Loan Growth (YoY): 0.60%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY

Indirect Auto Dependency

risk

#33 of 33 • Bottom 32.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -2.31%

(Tier: 4.60%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.18%

(Tier: 16.60%, National: 7.90%)

but better than tier avg

Member Growth (YoY): 5.52%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Deposit Outflow

decline

#2 of 3 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.25%

(Tier: 6.42%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 5.52%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

3 of 64 Large CUs have this signature | 109 nationally

→ Stable (4→3 CUs) -1 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 30 peers in tier

Top Strengths (7 metrics)

Total Loans

balance_sheet

Value: $8.48B

Peer Avg: -

#1 of 30 Top 0.0% in 7B-10B tier

Total Deposits

balance_sheet

Value: $8.32B

Peer Avg: -

#2 of 30 Top 3.3% in 7B-10B tier

Loan-to-Share Ratio

balance_sheet

Value: 101.92%

Peer Avg: -

#3 of 30 Top 6.7% in 7B-10B tier

Member Growth Rate

growth

Value: 5.52%

Peer Avg: -

#4 of 30 Top 10.0% in 7B-10B tier

Net Interest Margin (NIM)

profitability

Value: 3.55%

Peer Avg: -

#6 of 30 Top 16.7% in 7B-10B tier

Total Members

engagement

Value: 581,730

Peer Avg: -

#6 of 30 Top 16.7% in 7B-10B tier

Total Assets

balance_sheet

Value: $9.71B

Peer Avg: -

#6 of 30 Top 16.7% in 7B-10B tier

Top Weaknesses (6 metrics)

Asset Growth Rate

growth

Value: -2.31%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Deposit Growth Rate

growth

Value: -1.25%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

AMR Growth Rate

growth

Value: -5.54%

Peer Avg: -

#28 of 30 Bottom 10.0% in 7B-10B tier

Return on Assets (ROA)

profitability

Value: 0.54%

Peer Avg: -

#26 of 30 Bottom 16.7% in 7B-10B tier

Efficiency Ratio

profitability

Value: 74.83%

Peer Avg: -

#25 of 30 Bottom 20.0% in 7B-10B tier

Loan Growth Rate

growth

Value: 0.60%

Peer Avg: -

#24 of 30 Bottom 23.3% in 7B-10B tier