BlastPoint's Credit Union Scorecard

CONSOLIDATED

Charter #9292 · OR

Community 750M-1B

117 CUs in 750M-1B nationally 2 in OR

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CONSOLIDATED has 8 strengths but faces 1 concern

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 3.7% in tier
+ Organic Growth Engine: Top 3.7% in tier
+ Relationship Depth Leader: Top 36.9% in tier
+ ROA 0.12% above tier average
+ Strong member growth: 11.3% YoY
+ Deposit Growth Rate: Top 2.6% in tier
+ Member Growth Rate: Top 3.4% in tier
+ Asset Growth Rate: Top 3.4% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 36.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	38,284 +11.3% YoY+15.9% QoQ	-13.2K	51,500 +0.7% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	21%
Assets	$831.2M +21.2% YoY+19.9% QoQ	$-34.4M	$865.6M +0.9% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	38%
Loans	$517.7M +11.0% YoY+11.6% QoQ	$-77.5M	$595.3M +1.6% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	23%
Deposits	$694.9M +21.6% YoY+20.5% QoQ	$-47.3M	$742.2M +0.6% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	29%

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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	0.9% -15.1% YoY-2.7% QoQ	+0.1%	0.8% +45.0% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	63%
NIM	3.3% -16.4% YoY-7.3% QoQ	-0.2%	3.5% +6.1% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	75.2% -2.2% YoY+0.3% QoQ	-0.3%	75.5% -3.4% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.2% -28.6% YoY-10.3% QoQ	-0.5	0.7% -0.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	Top 12.0% in tier
Loan To Share	74.5% -8.7% YoY-7.4% QoQ	-6.1%	80.6% +0.7% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	27%
AMR	$31,675 +5.0% YoY+0.5% QoQ	+$3K	$28,908 +0.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	70%
CD Concentration	10.9% -5.1% YoY+14.0% QoQ	-13.3%	24.3%	16.7%	19.8%	Bottom 9.9% in tier
Indirect Auto %	3.3% -41.5% YoY-16.7% QoQ	-10.5%	13.8%	13.7%	7.7%	42%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#28 of 371 • Top 3.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 11.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 3.28%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#79 of 352 • Top 3.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 11.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.88%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 3.28%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Relationship Depth Leader

growth

#136 of 257 • Top 36.9% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.98%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.7K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (1)

Margin Compression

decline

#106 of 133 • Bottom 36.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.88%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.04%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.16% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (9 metrics)

Deposit Growth Rate

growth

Value: 21.61%

Peer Median: 4.60%

#4 of 117 Top 2.6% in 750M-1B tier

Member Growth Rate

growth

Value: 11.31%

Peer Median: 0.97%

#5 of 117 Top 3.4% in 750M-1B tier

Asset Growth Rate

growth

Value: 21.23%

Peer Median: 4.88%

#5 of 117 Top 3.4% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 10.95%

Peer Median: 26.77%

#6 of 117 Top 4.3% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: 0.47%

#8 of 117 Top 6.0% in 750M-1B tier

Net Worth Ratio

risk

Value: 15.01%

Peer Median: 10.69%

#10 of 117 Top 7.7% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.56%

#15 of 117 Top 12.0% in 750M-1B tier

Loan Growth Rate

growth

Value: 11.02%

Peer Median: 4.33%

#20 of 117 Top 16.2% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 386.707

Peer Median: 328.468

#25 of 117 Top 20.5% in 750M-1B tier

Top Weaknesses (3 metrics)

Fee Income Per Member

profitability

Value: $120.14

Peer Median: $187.56

#99 of 117 Bottom 16.2% in 750M-1B tier

Total Members

engagement

Value: 38,284

Peer Median: 51,712

#92 of 117 Bottom 22.2% in 750M-1B tier

Total Loans

balance_sheet

Value: $517.74M

Peer Median: $618.21M

#90 of 117 Bottom 23.9% in 750M-1B tier