BlastPoint's Credit Union Scorecard
THINKWISE
Charter #7770 · CA
THINKWISE has 2 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 91.9% in tier
- + Net Interest Margin 0.03% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.0% in tier
- - Shrinking Wallet Share: Bottom 30.0% in tier
- - Efficiency Drag: Bottom 67.2% in tier
- - Indirect Auto Dependency: Bottom 84.0% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 7.44% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Loan Growth Rate: Bottom 3.3% in tier
- - AMR Growth Rate: Bottom 5.0% in tier
- - Total Members: Bottom 6.7% in tier
- - Total Loans: Bottom 6.9% in tier
- - Net Charge-Off Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,177
+2.3% YoY+0.5% QoQ
|
-9.3K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 6.6% in tier |
| Assets |
$119.8M
+3.7% YoY+0.5% QoQ
|
$-112.1M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.2% in tier |
| Loans |
$53.9M
-9.6% YoY-1.2% QoQ
|
$-93.4M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.8% in tier |
| Deposits |
$106.3M
+2.1% YoY+0.7% QoQ
|
$-94.5M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
15% |
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| ROA |
0.3%
-265.4% YoY-41.7% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.6%
-1.8% YoY-1.5% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
84.5%
-4.0% YoY+1.0% QoQ
|
+7.4% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.5%
+176.3% YoY+126.2% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.9% in tier |
| Loan To Share |
50.7%
-11.5% YoY-1.9% QoQ
|
-21.5% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.7% in tier |
| AMR |
$25,941
-4.3% YoY-0.4% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
20.6%
+1.1% YoY+0.5% QoQ
|
-3.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
22.3%
+1.0% YoY-0.5% QoQ
|
+8.5% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)