BlastPoint's Credit Union Scorecard

SPACE AGE

Charter #68737 · CO

100M-500M

1069 CUs in 100M-500M nationally 26 in CO

SPACE AGE has 3 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.46% above tier average
+ Members Per Employee (MPE): Top 6.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.69% below tier average
- Efficiency ratio 12.78% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	13,629 -5.4% YoY-3.1% QoQ	-1.8K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	51%
Assets	$164.4M +1.2% YoY+0.4% QoQ	$-67.5M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	37%
Loans	$109.0M +0.7% YoY+0.3% QoQ	$-38.4M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	41%
Deposits	$150.0M +1.4% YoY+0.4% QoQ	$-50.8M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% 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% -7.8% QoQ	-0.7%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	Bottom 8.2% in tier
NIM	4.1% +6.3% YoY+1.0% QoQ	+0.5%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	76%
Efficiency Ratio	89.8% -4.2% YoY+0.1% QoQ	+12.8%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	Bottom 10.2% in tier
Delinquency Rate	1.7% +21.3% YoY+11.7% QoQ	+0.8	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Bottom 10.8% in tier
Loan To Share	72.6% -0.7% YoY-0.2% QoQ	+0.4%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	48%
AMR	$19,004 +6.9% YoY+3.5% QoQ	$-6K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	27%
CD Concentration	21.9% +5.5% YoY-1.7% QoQ	-2.5%	24.4%	26.2%	19.8%	50%
Indirect Auto %	19.6% -65.8% YoY-5.8% QoQ	+5.8%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#323 of 513 • 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): 6.91%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (6)

Stagnation Risk

risk

#92 of 554 • 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): -5.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.66%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.68%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#101 of 538 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 89.79%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -5.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Membership Headwinds

decline

#119 of 554 • 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): -5.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#253 of 705 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#351 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.66%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk

#423 of 506 • 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): 1.21%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 19.60%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -5.44%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 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 1069 peers in tier

Top Strengths (3 metrics)

Members Per Employee (MPE)

engagement

Value: 486.750

Peer Median: -

#72 of 1069 Top 6.6% in 100M-500M tier

256

AMR Growth Rate

growth

Value: 6.91%

Peer Median: -

#256 of 1069 Top 23.9% in 100M-500M tier

262

Net Interest Margin (NIM)

profitability

Value: 4.07%

Peer Median: -

#262 of 1069 Top 24.4% in 100M-500M tier

Top Weaknesses (8 metrics)

1021

Net Worth Ratio

risk

Value: 8.17%

Peer Median: -

#1021 of 1069 Bottom 4.6% in 100M-500M tier

981

Return on Assets (ROA)

profitability

Value: 0.07%

Peer Median: -

#981 of 1069 Bottom 8.3% in 100M-500M tier

978

Fee Income Per Member

profitability

Value: $86.17

Peer Median: -

#978 of 1069 Bottom 8.6% in 100M-500M tier

972

Member Growth Rate

growth

Value: -5.44%

Peer Median: -

#972 of 1069 Bottom 9.2% in 100M-500M tier

961

Efficiency Ratio

profitability

Value: 89.79%

Peer Median: -

#961 of 1069 Bottom 10.2% in 100M-500M tier

955

Total Delinquency Rate (60+ days)

risk

Value: 1.68%

Peer Median: -

#955 of 1069 Bottom 10.8% in 100M-500M tier

841

Asset Growth Rate

growth

Value: 1.21%

Peer Median: -

#841 of 1069 Bottom 21.4% in 100M-500M tier

812

Net Charge-Off Rate

risk

Value: 0.63%

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier