BlastPoint's Credit Union Scorecard

SPACE AGE

Charter #68737 · CO

1077 CUs in 100M-500M nationally 26 in CO

SPACE AGE has 1 strength but faces 12 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.44% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.6% in tier
- Membership Headwinds: Bottom 9.1% in tier
- Credit Quality Pressure: Bottom 9.8% in tier
- Institutional Decline: Bottom 18.2% in tier
- Indirect Auto Dependency: Bottom 23.5% in tier
- Stagnation Risk: Bottom 27.4% in tier
- ROA 0.71% below tier average
- Efficiency ratio 12.46% above tier (higher cost structure)
- Delinquency rate 0.64% above tier average
- Member decline: -4.2% YoY
- Net Worth Ratio: Bottom 4.9% in tier
- Fee Income Per Member: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	14,059 -4.2% YoY-1.2% QoQ	-1.6K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	52%
Assets	$163.7M +1.9% YoY-1.3% QoQ	$-67.6M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	37%
Loans	$108.7M -2.8% YoY-0.6% QoQ	$-39.1M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	40%
Deposits	$149.4M +2.2% YoY-1.4% QoQ	$-50.9M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	41%

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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	0.1% +61.7% YoY+2.4% QoQ	-0.7%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	Bottom 9.0% in tier
NIM	4.0% +7.3% YoY+2.9% QoQ	+0.4%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	75%
Efficiency Ratio	89.7% -4.5% YoY-0.4% QoQ	+12.5%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	Top 10.7% in tier
Delinquency Rate	1.5% +27.3% YoY+8.2% QoQ	+0.6	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Top 14.3% in tier
Loan To Share	72.8% -4.9% YoY+0.7% QoQ	+0.1%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	46%
AMR	$18,358 +4.5% YoY+0.2% QoQ	$-6K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	25%
CD Concentration	22.3% +12.2% YoY+1.1% QoQ	-2.1%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	20.8% -64.3% YoY-2.7% QoQ	+6.8%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#100 of 521 • Bottom 5.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.74%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -4.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Membership Headwinds

decline

#150 of 550 • Bottom 9.1% in tier

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

Why This Signature

Member Growth (YoY): -4.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#242 of 736 • Bottom 9.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Institutional Decline

decline

#144 of 256 • Bottom 18.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $163.71M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -4.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.79%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#379 of 525 • Bottom 23.5% in tier

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

Why This Signature

Asset Growth (YoY): 1.89%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 20.80%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -4.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#451 of 550 • Bottom 27.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.25%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.79%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.50%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (2 metrics)

114

Members Per Employee (MPE)

engagement

Value: 453.516

Peer Avg: -

#114 of 1077 Top 10.5% in 100M-500M tier

244

First Mortgage Concentration (%)

balance_sheet

Value: 15.91%

Peer Avg: -

#244 of 1077 Top 22.6% in 100M-500M tier

Top Weaknesses (8 metrics)

1025

Net Worth Ratio

risk

Value: 8.19%

Peer Avg: -

#1025 of 1077 Bottom 4.9% in 100M-500M tier

987

Fee Income Per Member

profitability

Value: $82.73

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

980

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

963

Efficiency Ratio

profitability

Value: 89.74%

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier

949

Member Growth Rate

growth

Value: -4.25%

Peer Avg: -

#949 of 1077 Bottom 12.0% in 100M-500M tier

924

Total Delinquency Rate (60+ days)

risk

Value: 1.50%

Peer Avg: -

#924 of 1077 Bottom 14.3% in 100M-500M tier

843

Loan Growth Rate

growth

Value: -2.79%

Peer Avg: -

#843 of 1077 Bottom 21.8% in 100M-500M tier

809

Average Member Relationship (AMR)

engagement

Value: $18,358

Peer Avg: -

#809 of 1077 Bottom 25.0% in 100M-500M tier