BlastPoint's Credit Union Scorecard

SCHOOLS

Charter #3526 · CA

1069 CUs in 100M-500M nationally 63 in CA

SCHOOLS has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 20.0% in tier
+ Organic Growth Engine: Top 50.2% in tier
+ Emerging Performer: Top 74.0% in tier
+ Strong member growth: 5.0% YoY
+ Members Per Employee (MPE): Top 6.8% in tier
+ Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 72.0% in tier
- Credit Quality Pressure: Bottom 78.3% in tier
- Efficiency Drag: Bottom 95.2% in tier
- ROA 0.24% below tier average
- Efficiency ratio 4.37% above tier (higher cost structure)
- Loan-to-Member Ratio (LMR): Bottom 7.1% in tier
- Average Member Relationship (AMR): Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	16,996 +5.0% YoY+1.2% QoQ	+1.6K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	65%
Assets	$189.8M +6.2% YoY+0.0% QoQ	$-42.1M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	48%
Loans	$88.9M -1.9% YoY+0.9% QoQ	$-58.5M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	28%
Deposits	$165.5M +6.4% YoY+0.6% QoQ	$-35.3M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	47%

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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	0.5% +124.4% YoY-5.5% QoQ	-0.2%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	33%
NIM	3.3% +6.3% YoY+1.7% QoQ	-0.3%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	32%
Efficiency Ratio	81.4% -5.5% YoY-0.4% QoQ	+4.4%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	65%
Delinquency Rate	0.4% +27.6% YoY+12.7% QoQ	-0.5	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	22%
Loan To Share	53.7% -7.8% YoY+0.2% QoQ	-18.5%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 13.6% in tier
AMR	$14,966 -1.6% YoY-0.5% QoQ	$-10K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Bottom 9.4% in tier
CD Concentration	18.0% +23.9% YoY+3.9% QoQ	-6.5%	24.4%	21.7%	19.8%	50%
Indirect Auto %	9.7% -11.7% YoY+11.6% QoQ	-4.0%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#86 of 426 • Top 20.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.02%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 9.75%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#299 of 595 • Top 50.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.02%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.52%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 9.75%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#135 of 182 • Top 74.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.52%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 5.02%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Shrinking Wallet Share

decline

#150 of 208 • Bottom 72.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.59%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Credit Quality Pressure

risk

#552 of 705 • Bottom 78.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#512 of 538 • Bottom 95.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.38%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.29% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): 5.02%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (3 metrics)

Members Per Employee (MPE)

engagement

Value: 485.600

Peer Median: -

#74 of 1069 Top 6.8% in 100M-500M tier

106

Member Growth Rate

growth

Value: 5.02%

Peer Median: -

#106 of 1069 Top 9.8% in 100M-500M tier

236

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: -

#236 of 1069 Top 22.0% in 100M-500M tier

Top Weaknesses (6 metrics)

994

Loan-to-Member Ratio (LMR)

engagement

Value: $5,230

Peer Median: -

#994 of 1069 Bottom 7.1% in 100M-500M tier

968

Average Member Relationship (AMR)

engagement

Value: $14,966

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

943

AMR Growth Rate

growth

Value: -1.59%

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

924

Loan-to-Share Ratio

balance_sheet

Value: 53.72%

Peer Median: -

#924 of 1069 Bottom 13.7% in 100M-500M tier

824

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: -

#824 of 1069 Bottom 23.0% in 100M-500M tier

817

Loan Growth Rate

growth

Value: -1.88%

Peer Median: -

#817 of 1069 Bottom 23.7% in 100M-500M tier