BlastPoint's Credit Union Scorecard

STAGEPOINT

Charter #687 · WY

100M-500M

1070 CUs in 100M-500M nationally 8 in WY

STAGEPOINT has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.07% above tier average
+ Net Interest Margin 1.11% above tier average
+ AMR Growth Rate: Top 2.7% in tier
+ Loan Growth Rate: Top 4.8% in tier
+ Loan-to-Share Ratio: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Member decline: -4.0% YoY
- Net Worth Ratio: Bottom 8.4% in tier
- Indirect Auto Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	8,930 -4.0% YoY-0.0% QoQ	-6.2K	15,145 -2.5% YoY	21,934 +2.5% YoY	33,913 +5.7% YoY	24%
Assets	$128.9M +7.9% YoY-0.4% QoQ	$-102.8M	$231.7M +0.8% YoY	$341.2M +5.8% YoY	$578.3M +9.0% YoY	19%
Loans	$107.8M +17.2% YoY+2.5% QoQ	$-36.4M	$144.1M +0.2% YoY	$250.8M +3.8% YoY	$402.4M +8.7% YoY	41%
Deposits	$117.6M +8.3% YoY-0.7% QoQ	$-83.5M	$201.1M +0.4% YoY	$290.8M +4.6% YoY	$494.3M +9.1% YoY	22%

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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	0.8% +1.0% YoY-11.7% QoQ	+0.1%	0.7% +5.1% YoY	1.0% -6.8% YoY	0.4% -39.2% YoY	57%
NIM	4.7% -6.7% YoY+0.1% QoQ	+1.1%	3.6% +4.6% YoY	3.9% -0.5% YoY	3.8% +4.1% YoY	Top 5.8% in tier
Efficiency Ratio	75.2% +5.2% YoY+9.6% QoQ	-2.8%	78.0% -1.7% YoY	73.8% +4.7% YoY	84.6% +2.8% YoY	39%
Delinquency Rate	0.4% -15.4% YoY+64.1% QoQ	-0.4	0.8% +7.1% YoY	1.7% +17.4% YoY	1.2% +3.4% YoY	31%
Loan To Share	91.6% +8.2% YoY+3.1% QoQ	+21.2%	70.4% -0.4% YoY	76.1% -2.5% YoY	65.6% -1.4% YoY	Top 9.0% in tier
AMR	$25,240 +17.1% YoY+0.8% QoQ	+$322	$24,918 +2.7% YoY	$23,399 +4.1% YoY	$19,920 +1.6% YoY	63%
CD Concentration	30.8% +11.1% YoY+2.7% QoQ	+6.5%	24.3%	26.4%	19.8%	50%
Indirect Auto %	37.8% +4.9% YoY-1.1% QoQ	+24.0%	13.8%	19.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#37 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 17.07%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Indirect Auto Dependency

risk

#12 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 7.85%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 37.76%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Membership Headwinds

decline

#182 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#94 of 183 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.63%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 17.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Stagnation Risk

risk

#440 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.01%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 17.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.40%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 17.07%

Peer Median: 3.46%

#30 of 1070 Top 2.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 17.16%

Peer Median: 2.93%

#52 of 1070 Top 4.8% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Median: 3.62%

#62 of 1070 Top 5.7% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.63%

Peer Median: 71.88%

#96 of 1070 Top 8.9% in 100M-500M tier

165

Deposit Growth Rate

growth

Value: 8.33%

Peer Median: 3.30%

#165 of 1070 Top 15.3% in 100M-500M tier

205

Asset Growth Rate

growth

Value: 7.85%

Peer Median: 3.91%

#205 of 1070 Top 19.1% in 100M-500M tier

258

Loan-to-Member Ratio (LMR)

engagement

Value: $12,069

Peer Median: $9,356

#258 of 1070 Top 24.0% in 100M-500M tier

Top Weaknesses (7 metrics)

981

Net Worth Ratio

risk

Value: 8.55%

Peer Median: 11.45%

#981 of 1070 Bottom 8.4% in 100M-500M tier

970

Indirect Auto Concentration (%)

balance_sheet

Value: 37.76%

Peer Median: 6.61%

#970 of 1070 Bottom 9.4% in 100M-500M tier

922

Net Charge-Off Rate

risk

Value: 0.90%

Peer Median: 0.35%

#922 of 1070 Bottom 13.9% in 100M-500M tier

916

Member Growth Rate

growth

Value: -4.01%

Peer Median: -0.06%

#916 of 1070 Bottom 14.5% in 100M-500M tier

870

Total Assets

balance_sheet

Value: $128.89M

Peer Median: $196.57M

#870 of 1070 Bottom 18.8% in 100M-500M tier

829

Total Deposits

balance_sheet

Value: $117.62M

Peer Median: $171.29M

#829 of 1070 Bottom 22.6% in 100M-500M tier

815

Total Members

engagement

Value: 8,930

Peer Median: 13,200

#815 of 1070 Bottom 23.9% in 100M-500M tier