BlastPoint's Credit Union Scorecard
360
Charter #7723 · CT
360 has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 51.8% in tier
- - Stagnation Risk: Bottom 76.3% in tier
- - Membership Headwinds: Bottom 80.5% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 5.64% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,877
-1.3% YoY-0.6% QoQ
|
+3.4K |
15,437
-2.9% YoY
|
14,275
+6.6% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$312.7M
+0.4% YoY+1.6% QoQ
|
+$80.9M |
$231.9M
+1.3% YoY
|
$241.1M
+14.1% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$192.4M
-0.5% YoY-1.4% QoQ
|
+$45.1M |
$147.3M
-0.1% YoY
|
$136.5M
+14.4% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$279.4M
+0.9% YoY+2.1% QoQ
|
+$78.6M |
$200.8M
+0.8% YoY
|
$211.2M
+13.7% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.6%
+56.8% YoY+8.2% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+43.4% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.9%
+15.0% YoY+2.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.6%
+1.8% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
82.7%
-6.2% YoY-0.7% QoQ
|
+5.6% |
77.0%
-3.1% YoY
|
81.1%
-1.3% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.6%
-33.2% YoY-26.5% QoQ
|
-0.3 |
0.9%
+4.2% YoY
|
1.5%
+7.3% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
68.9%
-1.4% YoY-3.4% QoQ
|
-3.4% |
72.2%
-1.1% YoY
|
54.6%
-1.8% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$24,995
+1.6% YoY+1.3% QoQ
|
+$319 |
$24,676
+3.4% YoY
|
$17,243
+6.0% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
15.8%
-4.1% YoY-0.5% QoQ
|
-8.6% | 24.4% | 14.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)