BlastPoint's Credit Union Scorecard
STAGEPOINT
Charter #687 · WY
STAGEPOINT has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.5% in tier
- + ROA 0.14% above tier average
- + Net Interest Margin 1.13% above tier average
- + AMR Growth Rate: Top 1.6% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + Loan Growth Rate: Top 4.2% in tier
- + Asset Growth Rate: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.2% in tier
- - Membership Headwinds: Bottom 45.6% in tier
- - Stagnation Risk: Bottom 90.0% in tier
- - Member decline: -3.0% YoY
- - Net Charge-Off Rate: Bottom 5.4% in tier
- - Net Worth Ratio: Bottom 6.4% in tier
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,933
-3.0% YoY-0.0% QoQ
|
-6.5K |
15,437
-2.9% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
23% |
| Assets |
$129.4M
+13.2% YoY+2.3% QoQ
|
$-102.5M |
$231.9M
+1.3% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$105.2M
+18.6% YoY+2.9% QoQ
|
$-42.2M |
$147.3M
-0.1% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$118.4M
+15.0% YoY+2.3% QoQ
|
$-82.4M |
$200.8M
+0.8% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.9%
+34.2% YoY+0.4% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
61% |
| NIM |
4.7%
-7.1% YoY-3.5% QoQ
|
+1.1% |
3.6%
+6.7% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
68.6%
-13.1% YoY+0.9% QoQ
|
-8.4% |
77.0%
-3.1% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
22% |
| Delinquency Rate |
0.2%
-59.4% YoY+45.7% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.0% in tier |
| Loan To Share |
88.8%
+3.1% YoY+0.6% QoQ
|
+16.6% |
72.2%
-1.1% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
83% |
| AMR |
$25,028
+20.3% YoY+2.6% QoQ
|
+$352 |
$24,676
+3.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
29.9%
+10.4% YoY+3.3% QoQ
|
+5.5% | 24.4% | 26.5% | 19.8% | 50% |
| Indirect Auto % |
38.2%
+13.2% YoY+1.4% QoQ
|
+24.4% | 13.8% | 19.3% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)