BLUE

Charter #7361 | WY

1B-3B (304 CUs) Mid-Market (380 CUs)
1 1B-3B in WY

BLUE has 1 strength but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.37% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 12.0% in tier
  • - Liquidity Strain: Bottom 15.3% in tier
  • - Deposit Outflow: Bottom 15.6% in tier
  • - ROA 0.20% below tier average
  • - Efficiency ratio 0.03% above tier (higher cost structure)
  • - Delinquency rate 0.57% above tier average
  • - Net Charge-Off Rate: Bottom 3.9% in tier
  • - Net Worth Ratio: Bottom 8.2% in tier
  • - Deposit Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 142,898
+0.4% YoY+1.2% QoQ
 +44.2K 98,678
-1.9% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 Top 15.1% in tier
Assets $2.1B
+1.8% YoY-0.6% QoQ
 +$408.8M $1.7B
+0.5% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 73rd in tier
Loans $1.8B
+2.8% YoY-0.2% QoQ
 +$546.8M $1.2B
+0.5% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 15.8% in tier
Deposits $1.8B
-1.9% YoY+4.4% QoQ
 +$311.7M $1.5B
+1.3% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 73rd in tier
ROA 0.5%
+105.2% YoY+2.8% QoQ
 -0.2% 0.7%
+13.4% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 34th in tier
NIM 3.6%
+7.6% YoY+0.7% QoQ
 +0.4% 3.3%
+9.3% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 75th in tier
Efficiency Ratio 74.0%
-4.3% YoY-0.9% QoQ
 +0.0% 74.0%
-10.9% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 46th in tier
Delinquency Rate 1.4%
-11.1% YoY+4.5% QoQ
 +0.6 0.8%
+6.1% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 Top 12.5% in tier
Loan To Share 100.8%
+4.8% YoY-4.4% QoQ
 +15.6% 85.2%
-0.8% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 14.5% in tier
AMR $24,814
+0.0% YoY+0.8% QoQ
 $-4K $29,172
+2.8% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 34th in tier
CD Concentration 33.3%
-6.5% YoY+11.3% QoQ
 +4.3% 29.0%
+0.8% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 72nd in tier
Indirect Auto % 37.5%
+1.9% YoY-1.3% QoQ
 +18.7% 18.8%
-2.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 Top 14.2% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk
#75 of 202 • Bottom 12.0% in tier

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

Why This Signature
Asset Growth (YoY): 1.76%
(Tier: 5.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 37.50%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 0.39%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank worsening

Liquidity Strain

risk
#81 of 183 • Bottom 15.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.79%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.77%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Deposit Outflow

decline
#20 of 25 • Bottom 15.6% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.89%
(Tier: 6.24%, National: 12.00%)
worse than tier avg
Total Assets: $2.13B
(Tier: $1.72B, National: $547.69M)
but better than tier avg
25 of 380 Mid-Market CUs have this signature | 143 nationally
↓ Shrinking -42 CUs YoY | New qualifier

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)

Comparing against 304 peers in tier

Top Strengths (5 metrics)

44
Loan-to-Share Ratio
balance_sheet
Value: 100.79%
Peer Avg: 85.19%
#44 of 304 Top 14.1% in 1B-3B tier
46
Total Members
engagement
Value: 142,898
Peer Avg: 98,678
#46 of 304 Top 14.8% in 1B-3B tier
48
Total Loans
balance_sheet
Value: $1.78B
Peer Avg: $1.23B
#48 of 304 Top 15.5% in 1B-3B tier
63
First Mortgage Concentration (%)
balance_sheet
Value: 21.98%
Peer Avg: 34.01%
#63 of 304 Top 20.4% in 1B-3B tier
77
Net Interest Margin (NIM)
profitability
Value: 3.63%
Peer Avg: 3.26%
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (6 metrics)

293
Net Charge-Off Rate
risk
Value: 1.54%
Peer Avg: 0.60%
#293 of 304 Bottom 3.9% in 1B-3B tier
280
Net Worth Ratio
risk
Value: 8.79%
Peer Avg: 11.44%
#280 of 304 Bottom 8.2% in 1B-3B tier
277
Deposit Growth Rate
growth
Value: -1.89%
Peer Avg: 5.58%
#277 of 304 Bottom 9.2% in 1B-3B tier
267
Total Delinquency Rate (60+ days)
risk
Value: 1.40%
Peer Avg: 0.83%
#267 of 304 Bottom 12.5% in 1B-3B tier
263
Indirect Auto Concentration (%)
balance_sheet
Value: 37.50%
Peer Avg: 18.32%
#263 of 304 Bottom 13.8% in 1B-3B tier
245
Fee Income Per Member
profitability
Value: $154.29
Peer Avg: $210.52
#245 of 304 Bottom 19.7% in 1B-3B tier