BlastPoint's Credit Union Scorecard
BLUE
Charter #7361 · WY
BLUE has 1 strength but faces 6 concerns
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How does WY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 45.1% in tier
- - Liquidity Strain: Bottom 52.7% in tier
- - ROA 0.11% below tier average
- - Delinquency rate 0.32% above tier average
- - Net Charge-Off Rate: Bottom 4.3% in tier
- - Net Worth Ratio: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
142,466
+0.5% YoY-0.3% QoQ
|
+45.0K |
97,431
-2.4% YoY
|
21,806
+1.7% YoY
|
33,374
+5.7% YoY
|
Top 14.6% in tier |
| Assets |
$2.2B
+1.8% YoY+2.0% QoQ
|
+$446.6M |
$1.7B
+0.9% YoY
|
$331.9M
+4.5% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$1.8B
+1.6% YoY+1.7% QoQ
|
+$576.0M |
$1.2B
+0.5% YoY
|
$248.7M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Top 14.2% in tier |
| Deposits |
$1.8B
+0.7% YoY+2.7% QoQ
|
+$355.0M |
$1.5B
+0.9% YoY
|
$284.9M
+3.7% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.6%
-215.7% YoY+15.2% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
1.1%
+10.8% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.6%
+7.0% YoY+0.2% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.9%
+0.6% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
72.6%
-5.5% YoY-1.9% QoQ
|
-1.4% |
74.1%
-9.5% YoY
|
70.1%
-0.5% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.2%
-30.5% YoY-13.0% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
1.7%
+3.5% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
99.8%
+0.9% YoY-1.0% QoQ
|
+15.0% |
84.8%
-0.8% YoY
|
78.9%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 12.6% in tier |
| AMR |
$25,443
+0.7% YoY+2.5% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$23,219
+4.0% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
35.0%
-1.1% YoY+5.2% QoQ
|
+6.0% | 29.0% | 26.5% | 19.8% | 76% |
| Indirect Auto % |
36.7%
-4.4% YoY-2.0% QoQ
|
+18.4% | 18.3% | 19.3% | 7.8% | Top 14.1% in tier |
Signature Analysis
Strengths (0)
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)