BlastPoint's Credit Union Scorecard
STAGEPOINT
Charter #687 · WY
STAGEPOINT has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 1.05% above tier average
- + Asset Growth Rate: Top 6.7% in tier
- + Total Delinquency Rate (60+ days): Top 7.6% in tier
- + Loan Growth Rate: Top 7.7% in tier
- + Deposit Growth Rate: Top 8.3% in tier
- + Loan-to-Share Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.31% below tier average
- - Net Worth Ratio: Bottom 6.5% in tier
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Wyoming.
- Shares and deposits +10.4% year over year ($120M in shares and deposits).
- Membership: 9,069 members, +1.9% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 0.56%.
- Efficiency ratio 73.06% vs a 76.73% peer average.
- Loan-to-share ratio 93.05% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,069
+1.9% YoY+1.6% QoQ
|
-6.1K |
15,168
-2.6% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$131.0M
+10.9% YoY+1.7% QoQ
|
$-101.0M |
$232.0M
+0.7% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$111.3M
+14.4% YoY+3.2% QoQ
|
$-35.0M |
$146.3M
+0.2% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
42% |
| Deposits |
$119.6M
+10.4% YoY+1.7% QoQ
|
$-81.1M |
$200.7M
+0.2% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
24% |
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| ROA |
0.6%
-45.3% YoY-30.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.7%
-5.8% YoY-0.1% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
Top 6.9% in tier |
| Efficiency Ratio |
73.1%
+6.9% YoY-2.9% QoQ
|
-3.7% |
76.7%
-0.8% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.1%
-48.7% YoY-66.2% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
Top 7.6% in tier |
| Loan To Share |
93.0%
+3.6% YoY+1.5% QoQ
|
+21.5% |
71.5%
-0.3% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
Top 9.2% in tier |
| AMR |
$25,456
+10.2% YoY+0.9% QoQ
|
+$349 |
$25,107
+3.2% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
63% |
| CD Concentration |
31.9%
+6.4% YoY+3.9% QoQ
|
+7.4% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
37.5%
+2.8% YoY-0.6% QoQ
|
+23.9% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)