BlastPoint's Credit Union Scorecard
RANCHO
Charter #1204 · CA
RANCHO has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Interest Margin 0.49% above tier average
- + Share Certificate Concentration (%): Top 5.1% in tier
- + Total Delinquency Rate (60+ days): Top 6.9% in tier
- + AMR Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 12.58% above tier (higher cost structure)
- - Member decline: -8.8% YoY
- - Member Growth Rate: Bottom 4.2% in tier
- - Total Assets: Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,004
-8.8% YoY-0.7% QoQ
|
-8.4K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 10.6% in tier |
| Assets |
$107.9M
+1.2% YoY-1.1% QoQ
|
$-124.0M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.3% in tier |
| Loans |
$63.3M
+0.8% YoY+0.1% QoQ
|
$-84.0M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 11.7% in tier |
| Deposits |
$99.7M
+2.1% YoY-0.2% QoQ
|
$-101.1M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.2% in tier |
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| ROA |
0.3%
-23.0% YoY-25.2% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
4.1%
+14.5% YoY+2.2% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
77% |
| Efficiency Ratio |
89.6%
-0.4% YoY+3.0% QoQ
|
+12.6% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.9% in tier |
| Delinquency Rate |
0.1%
-4.0% YoY-47.9% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.9% in tier |
| Loan To Share |
63.5%
-1.3% YoY+0.3% QoQ
|
-8.7% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
29% |
| AMR |
$23,283
+11.4% YoY+0.6% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
5.7%
+2.4% YoY+2.1% QoQ
|
-18.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
11.7%
-8.0% YoY-11.8% QoQ
|
-2.1% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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.
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)