BlastPoint's Credit Union Scorecard
TUCOEMAS
Charter #5718 · CA
TUCOEMAS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + First Mortgage Concentration (%): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 39.4% in tier
- - Credit Risk Growth: Bottom 57.8% in tier
- - ROA 1.21% below tier average
- - Delinquency rate 0.25% above tier average
- - Net Charge-Off Rate: Bottom 2.2% in tier
- - Indirect Auto Concentration (%): Bottom 3.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,038
+3.5% YoY0% QoQ
|
+9.6K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 12.9% in tier |
| Assets |
$338.2M
+10.4% YoY+0.2% QoQ
|
+$106.3M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$156.1M
+3.6% YoY+0.5% QoQ
|
+$8.7M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$301.7M
+9.5% YoY+1.2% QoQ
|
+$100.9M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
-0.5%
-179.0% YoY-202.2% QoQ
|
-1.2% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.7% in tier |
| NIM |
4.3%
+8.3% YoY-0.1% QoQ
|
+0.7% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 14.6% in tier |
| Efficiency Ratio |
75.8%
+7.5% YoY+2.3% QoQ
|
-1.2% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
1.1%
+31.0% YoY+25.7% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
51.7%
-5.4% YoY-0.7% QoQ
|
-20.5% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.1% in tier |
| AMR |
$18,283
+3.8% YoY+1.0% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
12.9%
+55.2% YoY-3.7% QoQ
|
-11.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
48.6%
+6.4% YoY+1.2% QoQ
|
+34.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)