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 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 14.6% in tier
- - Stagnation Risk: Bottom 27.2% in tier
- - Membership Headwinds: Bottom 29.7% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 5.97% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,990
-0.9% YoY-0.1% QoQ
|
+3.4K |
15,628
-3.4% YoY
|
13,754
+3.9% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$307.7M
+1.0% YoY-3.1% QoQ
|
+$76.4M |
$231.3M
-0.0% YoY
|
$223.0M
+8.2% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$195.1M
+3.0% YoY-1.2% QoQ
|
+$47.3M |
$147.8M
-1.4% YoY
|
$129.0M
+9.8% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$273.6M
+0.8% YoY-3.1% QoQ
|
+$73.3M |
$200.3M
-0.0% YoY
|
$195.5M
+7.9% YoY
|
$464.6M
+9.3% YoY
|
76% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+60.7% YoY+8.4% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.4%
-140.5% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.8%
+13.8% YoY+4.1% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.6%
+5.0% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
83.3%
-7.2% YoY-0.0% QoQ
|
+6.0% |
77.3%
-3.0% YoY
|
85.8%
+0.7% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.8%
-23.9% YoY+6.5% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+0.2% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
71.3%
+2.1% YoY+2.0% QoQ
|
-1.4% |
72.7%
-1.5% YoY
|
56.5%
+1.7% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$24,683
+2.6% YoY-2.2% QoQ
|
+$320 |
$24,363
+2.9% YoY
|
$16,763
+4.9% YoY
|
$19,418
+1.3% YoY
|
63% |
| CD Concentration |
15.9%
-2.8% YoY+1.3% QoQ
|
-8.5% |
24.4%
+4.2% YoY
|
14.4%
+16.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-6.5% YoY
|
7.9%
-2.9% YoY
|
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 declining year-over-year. Shrinking 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)