BlastPoint's Credit Union Scorecard
ELECTRICAL
Charter #8701 · CO
ELECTRICAL has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 5.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Colorado.
- Shares and deposits +8.2% year over year ($47.1M in shares and deposits).
- Membership: 4,065 members, +1.9% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.74%.
- Efficiency ratio 72.54% vs a 88.77% peer average.
- Loan-to-share ratio 52.50% vs a 58.89% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,065
+1.9% YoY+0.0% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$54.3M
+8.1% YoY+2.0% QoQ
|
+$24.0M |
$30.3M
+1.5% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$24.7M
-1.1% YoY-0.6% QoQ
|
+$9.3M |
$15.5M
-1.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$47.1M
+8.2% YoY+1.8% QoQ
|
+$21.3M |
$25.8M
+1.1% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.7%
-36.9% YoY-20.8% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.4%
-9.2% YoY-1.7% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
72.5%
+8.2% YoY-0.4% QoQ
|
-16.2% |
88.8%
-6.9% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.8%
+37.8% YoY+43.4% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
52.5%
-8.7% YoY-2.3% QoQ
|
-6.4% |
58.9%
-3.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$17,665
+2.8% YoY+0.9% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
17.5%
+19.6% YoY+9.3% QoQ
|
-7.0% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)