BlastPoint's Credit Union Scorecard
ENT
Charter #68671 · CO
ENT has 7 strengths but faces 8 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 Leader: Top 0.0% in tier
- + Organic Growth Engine: Top 37.7% in tier
- + Net Interest Margin 0.68% above tier average
- + Strong member growth: 6.1% YoY
- + Total Deposits: Top 0.0% in tier
- + Total Loans: Top 0.0% in tier
- + Total Assets: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.3% in tier
- - Shrinking Wallet Share: Bottom 8.3% in tier
- - Cost Spiral: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 59.4% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 12.07% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
- - AMR Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
590,486
+6.1% YoY+1.5% QoQ
|
+144.6K |
445,922
+0.4% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
85% |
| Assets |
$10.0B
+1.3% YoY+2.7% QoQ
|
+$1.0B |
$8.9B
+0.9% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
Top 6.1% in tier |
| Loans |
$8.5B
+0.1% YoY-0.1% QoQ
|
+$2.2B |
$6.3B
+0.8% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
Top 3.0% in tier |
| Deposits |
$8.6B
+0.6% YoY+3.5% QoQ
|
+$1.1B |
$7.5B
+1.2% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
Top 3.0% in tier |
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| ROA |
0.5%
-27.8% YoY-6.0% QoQ
|
-0.5% |
1.0%
+27.8% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.1% in tier |
| NIM |
3.7%
+9.8% YoY+2.8% QoQ
|
+0.7% |
3.0%
+12.0% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
Top 12.1% in tier |
| Efficiency Ratio |
76.9%
+9.8% YoY+2.7% QoQ
|
+12.1% |
64.8%
-2.3% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.8%
+36.2% YoY+28.7% QoQ
|
+0.1 |
0.7%
+5.5% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
98.4%
-0.5% YoY-3.5% QoQ
|
+15.0% |
83.4%
-0.6% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$28,931
-5.4% YoY+0.2% QoQ
|
$-5K |
$34,266
-1.7% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
29.8%
-6.4% YoY+6.3% QoQ
|
+0.6% | 29.1% | 26.2% | 19.8% | 49% |
| Indirect Auto % |
14.3%
-29.2% YoY-6.0% QoQ
|
-2.8% | 17.1% | 12.2% | 7.8% | 46% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)