BlastPoint's Credit Union Scorecard

SANTA BARBARA COUNTY

Charter #6711 · CA

<100M

2556 CUs in <100M nationally 91 in CA

SANTA BARBARA COUNTY has 1 strength but faces 1 concern

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.99% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,949 -0.6% YoY+0.4% QoQ	+1.3K	2,615 -1.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	78%
Assets	$64.7M -0.2% YoY-2.5% QoQ	+$34.5M	$30.1M +2.1% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 15.0% in tier
Loans	$28.3M +1.5% YoY+1.0% QoQ	+$12.6M	$15.8M -1.3% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	80%
Deposits	$56.2M -1.6% YoY-3.1% QoQ	+$30.5M	$25.7M +1.4% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Top 14.5% in tier

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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	1.6% +11.4% YoY-4.0% QoQ	+1.0%	0.6% +10.8% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Top 13.4% in tier
NIM	3.5% +4.0% YoY+8.3% QoQ	-0.5%	4.0% +4.0% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	62.0% -3.5% YoY+2.1% QoQ	-20.5%	82.6% -2.3% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 13.7% in tier
Delinquency Rate	0.0%	-1.5	1.6% -3.1% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 13.5% in tier
Loan To Share	50.4% +3.1% YoY+4.3% QoQ	-10.2%	60.6% -3.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	34%
AMR	$21,407 -0.0% YoY-2.2% QoQ	+$7K	$14,783 -1.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	83%
CD Concentration	0.0%	-24.4%	24.4%	21.7%	19.8%	50%
Indirect Auto %	4.1% -21.8% YoY-5.4% QoQ	-9.7%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2556 peers in tier

Top Strengths (12 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

342

Return on Assets (ROA)

profitability

Value: 1.61%

Peer Median: -

#342 of 2556 Top 13.3% in <100M tier

344

Fee Income Per Member

profitability

Value: $153.68

Peer Median: -

#344 of 2556 Top 13.4% in <100M tier

346

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: -

#346 of 2556 Top 13.5% in <100M tier

352

Efficiency Ratio

profitability

Value: 62.04%

Peer Median: -

#352 of 2556 Top 13.7% in <100M tier

371

Total Deposits

balance_sheet

Value: $56.22M

Peer Median: -

#371 of 2556 Top 14.5% in <100M tier

383

Total Assets

balance_sheet

Value: $64.68M

Peer Median: -

#383 of 2556 Top 14.9% in <100M tier

428

Average Member Relationship (AMR)

engagement

Value: $21,407

Peer Median: -

#428 of 2556 Top 16.7% in <100M tier

502

Total Loans

balance_sheet

Value: $28.32M

Peer Median: -

#502 of 2556 Top 19.6% in <100M tier

549

Total Members

engagement

Value: 3,949

Peer Median: -

#549 of 2556 Top 21.4% in <100M tier

Top Weaknesses (2 metrics)

2329

First Mortgage Concentration (%)

balance_sheet

Value: 47.45%

Peer Median: -

#2329 of 2556 Bottom 8.9% in <100M tier

2252

Indirect Auto Concentration (%)

balance_sheet

Value: 4.14%

Peer Median: -

#2252 of 2556 Bottom 11.9% in <100M tier