BlastPoint's Credit Union Scorecard

SPACE AGE

Charter #68737 · CO

100M-500M

1024 CUs in 100M-500M nationally 26 in CO

SPACE AGE has 2 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 0.22% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.75% below tier average
- Efficiency ratio 5.66% above tier (higher cost structure)

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 26 that size in Colorado.
Shares and deposits +0.3% year over year ($152M in shares and deposits).
Membership: 13,343 members, -6.3% vs a year ago.
Delinquency rate 2.13%.
Return on assets 0.11%.
Efficiency ratio 82.40% vs a 76.73% peer average.
Loan-to-share ratio 76.01% 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 (CO)	National Avg	Tier Percentile
Members	13,343 -6.3% YoY-0.6% QoQ	-1.8K	15,168 -2.6% YoY	46,494 +29.3% YoY	34,678 +6.6% YoY	51%
Assets	$167.7M +1.1% YoY-0.2% QoQ	$-64.3M	$232.0M +0.7% YoY	$894.3M +37.1% YoY	$593.1M +10.2% YoY	38%
Loans	$115.4M +5.5% YoY+1.9% QoQ	$-30.8M	$146.3M +0.2% YoY	$702.2M +37.3% YoY	$418.6M +10.1% YoY	46%
Deposits	$151.8M +0.3% YoY-0.2% QoQ	$-48.9M	$200.7M +0.2% YoY	$750.1M +37.6% YoY	$504.8M +10.3% YoY	42%

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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% +54.3% YoY-40.1% QoQ	-0.8%	0.9% +12.5% YoY	0.7% +37.8% YoY	1.2% +121.4% YoY	Bottom 3.9% in tier
NIM	3.9% -0.1% YoY+2.4% QoQ	+0.2%	3.7% +4.5% YoY	3.5% +0.2% YoY	3.8% +2.3% YoY	65%
Efficiency Ratio	82.4% -8.6% YoY+10.1% QoQ	+5.7%	76.7% -0.8% YoY	79.8% -0.6% YoY	83.0% -5.3% YoY	67%
Delinquency Rate	2.1% +53.3% YoY+28.7% QoQ	+1.2	0.9% +6.6% YoY	0.8% -1.8% YoY	1.3% +2.6% YoY	Bottom 6.1% in tier
Loan To Share	76.0% +5.2% YoY+2.1% QoQ	+4.5%	71.5% -0.3% YoY	72.6% -0.3% YoY	66.4% -1.4% YoY	55%
AMR	$20,030 +9.3% YoY+1.3% QoQ	$-5K	$25,107 +3.2% YoY	$24,334 +6.4% YoY	$20,028 -0.9% YoY	32%
CD Concentration	23.8% +8.2% YoY+6.8% QoQ	-0.7%	24.6%	27.0%	20.0%	50%
Indirect Auto %	15.2% -29.1% YoY-10.8% QoQ	+1.5%	13.6%	12.3%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#147 of 483 • 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): 9.32%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk

#74 of 693 • 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): 0.74% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Membership Headwinds

decline

#96 of 549 • 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): -6.27%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Risk Growth

risk

#91 of 472 • 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): 5.50%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.74% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Stagnation Risk

risk

#133 of 549 • 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): -6.27%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 5.50%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 2.13%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Efficiency Drag

risk

#382 of 531 • 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: 82.40%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.04% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -6.27%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#442 of 476 • 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): 1.07%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 15.16%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -6.27%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 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 1024 peers in tier

Top Strengths (2 metrics)

117

AMR Growth Rate

growth

Value: 9.32%

Peer Median: 3.53%

#117 of 1024 Top 11.3% in 100M-500M tier

139

Members Per Employee (MPE)

engagement

Value: 430.419

Peer Median: 310.924

#139 of 1024 Top 13.5% in 100M-500M tier

Top Weaknesses (6 metrics)

991

Net Worth Ratio

risk

Value: 8.06%

Peer Median: 11.71%

#991 of 1024 Bottom 3.3% in 100M-500M tier

984

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.75%

#984 of 1024 Bottom 4.0% in 100M-500M tier

963

Total Delinquency Rate (60+ days)

risk

Value: 2.13%

Peer Median: 0.71%

#963 of 1024 Bottom 6.1% in 100M-500M tier

949

Member Growth Rate

growth

Value: -6.27%

Peer Median: -0.03%

#949 of 1024 Bottom 7.4% in 100M-500M tier

795

Deposit Growth Rate

growth

Value: 0.26%

Peer Median: 3.58%

#795 of 1024 Bottom 22.5% in 100M-500M tier

778

Asset Growth Rate

growth

Value: 1.07%

Peer Median: 4.12%

#778 of 1024 Bottom 24.1% in 100M-500M tier