BlastPoint's Credit Union Scorecard

SAFE

Charter #9988 · SC

Mid-Market 1B-3B

SAFE at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

SAFE is one of 101 credit unions in the 2026 VentureTech card set. We also found SAFE's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

SAFE

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SAFE
PEER · AT VENTURETECH
PEER · AT VENTURETECH
SAFE'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 8 in SC

View Mid-Market leaderboard →

SAFE has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

SC Analysis

How does SC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.45% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio: Top 7.0% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 16.0% in tier
- Indirect Auto Dependency: Bottom 58.1% in tier
- Membership Headwinds: Bottom 83.6% in tier
- Stagnation Risk: Bottom 83.6% in tier
- Net Charge-Off Rate: Bottom 6.0% in tier

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Members	140,414 -1.7% YoY-0.3% QoQ	+43.6K	96,861 -1.9% YoY	38,222 +5.6% YoY	34,678 +6.6% YoY	Top 14.7% in tier
Assets	$2.0B +4.3% YoY+0.8% QoQ	+$241.8M	$1.7B +0.4% YoY	$548.9M +9.6% YoY	$593.1M +10.2% YoY	67%
Loans	$1.4B +5.9% YoY+4.4% QoQ	+$126.4M	$1.2B +0.7% YoY	$385.7M +10.8% YoY	$418.6M +10.1% YoY	67%
Deposits	$1.7B +3.1% YoY+0.4% QoQ	+$256.3M	$1.5B +0.5% YoY	$462.6M +9.2% YoY	$504.8M +10.3% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -13.1% YoY+10.3% QoQ	+0.5%	0.8% +27.6% YoY	0.9% -19.6% YoY	1.2% +121.4% YoY	Top 14.7% in tier
NIM	3.8% +11.0% YoY+2.4% QoQ	+0.4%	3.4% +6.6% YoY	4.2% -1.3% YoY	3.8% +2.3% YoY	75%
Efficiency Ratio	58.5% -2.6% YoY+0.8% QoQ	-14.5%	73.0% -2.7% YoY	79.7% +5.8% YoY	83.0% -5.3% YoY	Top 7.0% in tier
Delinquency Rate	0.6% -38.7% YoY-2.9% QoQ	-0.2	0.9% +7.3% YoY	1.1% +14.2% YoY	1.3% +2.6% YoY	44%
Loan To Share	79.1% +2.7% YoY+3.9% QoQ	-5.6%	84.7% +0.1% YoY	70.2% -0.9% YoY	66.4% -1.4% YoY	28%
AMR	$21,938 +6.2% YoY+2.4% QoQ	$-8K	$29,575 +1.5% YoY	$17,221 +4.1% YoY	$20,028 -0.9% YoY	Bottom 11.0% in tier
CD Concentration	31.6% +4.7% YoY+1.6% QoQ	+2.6%	29.1%	18.3%	20.0%	64%
Indirect Auto %	25.7% -9.2% YoY+2.4% QoQ	+7.6%	18.1%	6.0%	7.7%	71%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#95 of 125 • Top 25.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.17%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Margin Compression

decline

#7 of 20 • Bottom 16.0% 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: 1.27%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.47%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#95 of 193 • Bottom 58.1% in tier

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

Why This Signature

Asset Growth (YoY): 4.31%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Indirect Auto %: 25.68%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.75%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Membership Headwinds

decline

#62 of 86 • Bottom 83.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.75%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Stagnation Risk

risk

#68 of 86 • Bottom 83.6% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.75%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 5.88%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.63%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 58.53%

Peer Median: 73.62%

#22 of 300 Top 7.0% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.27%

Peer Median: 0.77%

#44 of 300 Top 14.3% in 1B-3B tier

Total Members

engagement

Value: 140,414

Peer Median: 86,516

#44 of 300 Top 14.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.81%

Peer Median: 3.46%

#74 of 300 Top 24.3% in 1B-3B tier

Top Weaknesses (4 metrics)

283

Net Charge-Off Rate

risk

Value: 1.27%

Peer Median: 0.52%

#283 of 300 Bottom 6.0% in 1B-3B tier

267

Average Member Relationship (AMR)

engagement

Value: $21,938

Peer Median: $28,089

#267 of 300 Bottom 11.3% in 1B-3B tier

258

Loan-to-Member Ratio (LMR)

engagement

Value: $9,690

Peer Median: $12,809

#258 of 300 Bottom 14.3% in 1B-3B tier

247

Member Growth Rate

growth

Value: -1.75%

Peer Median: 1.84%

#247 of 300 Bottom 18.0% in 1B-3B tier