BlastPoint's Credit Union Scorecard
BLUE
Charter #7361 · WY
BLUE has 4 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does WY stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 26.3% in tier
- + Net Interest Margin 0.06% above tier average
- + Loan-to-Share Ratio: Top 3.3% in tier
- + Total Loans: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5.1% in tier
- - Indirect Auto Dependency: Bottom 27.2% in tier
- - ROA 0.30% below tier average
- - Delinquency rate 0.18% above tier average
- - Net Worth Ratio: Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 9.3% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 1 that size in Wyoming.
- Shares and deposits +7.8% year over year ($1.82B in shares and deposits).
- Membership: 144,288 members, +2.2% vs a year ago.
- Delinquency rate 1.05%.
- Return on assets 0.52%.
- Efficiency ratio 72.23% vs a 73.02% peer average.
- Loan-to-share ratio 106.21% vs a 84.71% 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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
144,288
+2.2% YoY+0.3% QoQ
|
+47.4K |
96,861
-1.9% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
Top 13.3% in tier |
| Assets |
$2.3B
+7.9% YoY+3.0% QoQ
|
+$585.3M |
$1.7B
+0.4% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$1.9B
+8.7% YoY+4.2% QoQ
|
+$703.3M |
$1.2B
+0.7% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
Top 10.3% in tier |
| Deposits |
$1.8B
+7.8% YoY-1.4% QoQ
|
+$361.0M |
$1.5B
+0.5% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.5%
+7.3% YoY+1.7% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.5%
-3.3% YoY+0.1% QoQ
|
+0.1% |
3.4%
+6.6% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
72.2%
-3.3% YoY-1.1% QoQ
|
-0.8% |
73.0%
-2.7% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
1.0%
-21.8% YoY+11.2% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
106.2%
+0.8% YoY+5.6% QoQ
|
+21.5% |
84.7%
+0.1% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
Top 3.7% in tier |
| AMR |
$26,072
+6.0% YoY+1.1% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
34.4%
+15.2% YoY-1.0% QoQ
|
+5.4% | 29.1% | 26.8% | 20.0% | 73% |
| Indirect Auto % |
39.3%
+3.4% YoY+3.3% QoQ
|
+21.2% | 18.1% | 19.1% | 7.7% | Bottom 10.9% in tier |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)