BlastPoint's Credit Union Scorecard
ENT
Charter #68671 · CO
ENT has 8 strengths but faces 3 concerns
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.5% in tier
- + Net Interest Margin 0.41% above tier average
- + Strong member growth: 70.0% YoY
- + Member Growth Rate: Top 0.1% in tier
- + Asset Growth Rate: Top 4.2% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 4.2% in tier
- + AMR Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16.7% in tier
- - ROA 0.91% below tier average
- - Efficiency ratio 15.77% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
948,633
+70.0% YoY+60.7% QoQ
|
-764.0K |
1,712,610
-8.0% YoY
|
45,987
+29.5% YoY
|
33,913
+5.7% YoY
|
46% |
| Assets |
$19.5B
+94.8% YoY+95.3% QoQ
|
$-8.7B |
$28.2B
-3.2% YoY
|
$896.2M
+38.1% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$15.7B
+80.7% YoY+85.9% QoQ
|
$-4.4B |
$20.2B
-4.4% YoY
|
$687.4M
+35.9% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$16.2B
+85.1% YoY+88.2% QoQ
|
$-7.9B |
$24.1B
-2.9% YoY
|
$753.9M
+36.7% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
-0.0%
-105.2% YoY-102.8% QoQ
|
-0.9% |
0.9%
+31.5% YoY
|
0.5%
+3.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
3.6%
+7.9% YoY-1.2% QoQ
|
+0.4% |
3.2%
+4.6% YoY
|
3.5%
+0.5% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
79.6%
+7.2% YoY+3.6% QoQ
|
+15.8% |
63.9%
-3.7% YoY
|
80.2%
-2.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
0.5%
-15.5% YoY-37.5% QoQ
|
-0.4 |
0.9%
-6.9% YoY
|
1.0%
+37.3% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
97.1%
-2.4% YoY-1.3% QoQ
|
+11.1% |
86.0%
-3.3% YoY
|
71.5%
-0.6% YoY
|
65.6%
-1.4% YoY
|
83% |
| AMR |
$33,685
+7.6% YoY+16.4% QoQ
|
+$2K |
$32,099
+9.5% YoY
|
$24,339
+6.3% YoY
|
$19,920
+1.6% YoY
|
67% |
| CD Concentration |
25.2%
-18.6% YoY-15.3% QoQ
|
-5.0% | 30.2% | 26.7% | 19.8% | 17% |
| Indirect Auto % |
10.8%
-39.2% YoY-24.0% QoQ
|
-4.1% | 14.9% | 12.4% | 7.7% | 46% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
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)