BlastPoint's Credit Union Scorecard

BLUE

Charter #7361 · WY

Mid-Market 1B-3B
306 CUs in 1B-3B nationally 1 in WY
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BLUE has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.13% above tier average
  • + Loan-to-Share Ratio: Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 9.4% in tier
  • - Indirect Auto Dependency: Bottom 40.0% in tier
  • - ROA 0.20% below tier average
  • - Delinquency rate 0.18% above tier average
  • - Net Worth Ratio: Bottom 7.8% in tier
  • - Net Charge-Off Rate: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 143,848
+3.6% YoY+1.0% QoQ
 +47.8K 96,048
-2.7% YoY
 21,934
+2.5% YoY
 33,913
+5.7% YoY
 Top 13.4% in tier
Assets $2.2B
+6.0% YoY+3.4% QoQ
 +$523.3M $1.7B
+0.4% YoY
 $341.2M
+5.8% YoY
 $578.3M
+9.0% YoY
 78%
Loans $1.9B
+4.9% YoY+2.7% QoQ
 +$646.4M $1.2B
+0.2% YoY
 $250.8M
+3.8% YoY
 $402.4M
+8.7% YoY
 Top 12.1% in tier
Deposits $1.8B
+4.2% YoY+1.9% QoQ
 +$383.8M $1.5B
+0.5% YoY
 $290.8M
+4.6% YoY
 $494.3M
+9.1% YoY
 76%

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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 0.5%
+23.7% YoY-10.9% QoQ
 -0.2% 0.7%
+27.6% YoY
 1.0%
-6.8% YoY
 0.4%
-39.2% YoY
 33%
NIM 3.5%
-1.8% YoY-4.2% QoQ
 +0.1% 3.4%
+6.2% YoY
 3.9%
-0.5% YoY
 3.8%
+4.1% YoY
 56%
Efficiency Ratio 73.1%
-3.6% YoY+0.6% QoQ
 -1.6% 74.6%
-3.0% YoY
 73.8%
+4.7% YoY
 84.6%
+2.8% YoY
 42%
Delinquency Rate 0.9%
-38.9% YoY-22.7% QoQ
 +0.2 0.8%
+6.9% YoY
 1.7%
+17.4% YoY
 1.2%
+3.4% YoY
 77%
Loan To Share 100.6%
+0.6% YoY+0.8% QoQ
 +17.4% 83.2%
-0.4% YoY
 76.1%
-2.5% YoY
 65.6%
-1.4% YoY
 Top 8.2% in tier
AMR $25,788
+0.9% YoY+1.4% QoQ
 $-4K $29,652
+2.3% YoY
 $23,399
+4.1% YoY
 $19,920
+1.6% YoY
 34%
CD Concentration 34.8%
+6.7% YoY-0.6% QoQ
 +6.0% 28.8% 26.4% 19.8% 76%
Indirect Auto % 38.0%
-0.5% YoY+3.4% QoQ
 +19.9% 18.1% 19.3% 7.7% Bottom 12.5% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#55 of 198 • Bottom 40.0% in tier

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

Why This Signature
Asset Growth (YoY): 6.04%
(Tier: 6.82%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 37.99%
(Tier: 18.07%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 3.58%
(Tier: 3.50%, National: 10.19%)
but better than tier avg
198 of 384 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -10 CUs YoY

Liquidity Strain

risk
#56 of 148 • Bottom 9.4% in tier

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

Why This Signature
Loan-to-Share Ratio: 100.58%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 4.85%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 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)

Comparing against 306 peers in tier

Top Strengths (6 metrics)

25
Loan-to-Share Ratio
balance_sheet
Value: 100.58%
Peer Median: 85.31%
#25 of 306 Top 7.8% in 1B-3B tier
37
Total Loans
balance_sheet
Value: $1.86B
Peer Median: $1.11B
#37 of 306 Top 11.8% in 1B-3B tier
41
Total Members
engagement
Value: 143,848
Peer Median: 85,918
#41 of 306 Top 13.1% in 1B-3B tier
69
Total Assets
balance_sheet
Value: $2.24B
Peer Median: $1.51B
#69 of 306 Top 22.2% in 1B-3B tier
72
First Mortgage Concentration (%)
balance_sheet
Value: 23.05%
Peer Median: 33.05%
#72 of 306 Top 23.2% in 1B-3B tier
74
Total Deposits
balance_sheet
Value: $1.85B
Peer Median: $1.31B
#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (5 metrics)

283
Net Worth Ratio
risk
Value: 8.68%
Peer Median: 10.85%
#283 of 306 Bottom 7.8% in 1B-3B tier
279
Net Charge-Off Rate
risk
Value: 1.13%
Peer Median: 0.51%
#279 of 306 Bottom 9.2% in 1B-3B tier
269
Indirect Auto Concentration (%)
balance_sheet
Value: 37.99%
Peer Median: 13.86%
#269 of 306 Bottom 12.4% in 1B-3B tier
243
Share Certificate Concentration (%)
balance_sheet
Value: 34.81%
Peer Median: 27.93%
#243 of 306 Bottom 20.9% in 1B-3B tier
237
Total Delinquency Rate (60+ days)
risk
Value: 0.94%
Peer Median: 0.63%
#237 of 306 Bottom 22.9% in 1B-3B tier
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