BlastPoint's Credit Union Scorecard
STAGEPOINT
Charter #687 · WY
STAGEPOINT has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 8.0% in tier
- + Emerging Performer: Top 25.8% in tier
- + Credit Quality Leader: Top 31.3% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 1.33% above tier average
- + Strong member growth: 50.7% YoY
- + Member Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Loan Growth Rate: Top 0.7% in tier
- + Total Delinquency Rate (60+ days): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 3.2% in tier
- - Shrinking Wallet Share: Bottom 24.1% in tier
- - Net Charge-Off Rate: Bottom 1.6% in tier
- - Net Worth Ratio: Bottom 5.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,937
+50.7% YoY+0.4% QoQ
|
-6.7K |
15,628
-3.4% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$126.5M
+51.4% YoY+7.1% QoQ
|
$-104.8M |
$231.3M
-0.0% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$102.2M
+47.1% YoY+5.1% QoQ
|
$-45.6M |
$147.8M
-1.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$115.8M
+52.5% YoY+6.9% QoQ
|
$-84.5M |
$200.3M
-0.0% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
22% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+66.4% YoY-11.7% QoQ
|
+0.1% |
0.8%
+15.5% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
59% |
| NIM |
4.9%
+2.9% YoY-2.4% QoQ
|
+1.3% |
3.6%
+6.9% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
Top 3.7% in tier |
| Efficiency Ratio |
68.0%
-7.0% YoY-0.4% QoQ
|
-9.2% |
77.3%
-3.0% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.2%
-34.3% YoY-36.5% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
88.3%
-3.6% YoY-1.7% QoQ
|
+15.6% |
72.7%
-1.5% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$24,391
-0.5% YoY+5.6% QoQ
|
+$28 |
$24,363
+2.9% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
61% |
| CD Concentration |
29.0%
-3.5% YoY-3.5% QoQ
|
+4.6% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
37.6%
+8.5% YoY+3.0% QoQ
|
+23.7% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)