BlastPoint's Credit Union Scorecard
LA LOMA
Charter #10351 · CA
LA LOMA has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + AMR Growth Rate: Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 5.98% above tier (higher cost structure)
- - Member decline: -45.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +2.2% year over year ($110M in shares and deposits).
- Membership: 6,914 members, -45.0% vs a year ago.
- Delinquency rate 0.22%.
- Return on assets 0.61%.
- Efficiency ratio 82.71% vs a 76.73% peer average.
- Loan-to-share ratio 66.88% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,914
-45.0% YoY-0.8% QoQ
|
-8.3K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 11.3% in tier |
| Assets |
$116.6M
+2.9% YoY+2.0% QoQ
|
$-115.4M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.7% in tier |
| Loans |
$73.9M
+2.8% YoY+0.5% QoQ
|
$-72.4M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$110.5M
+2.2% YoY+2.0% QoQ
|
$-90.3M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
17% |
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| ROA |
0.6%
-26.0% YoY+30.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
3.7%
-6.7% YoY-0.4% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
53% |
| Efficiency Ratio |
82.7%
+0.9% YoY+0.6% QoQ
|
+6.0% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
68% |
| Delinquency Rate |
0.2%
+72.1% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 12.6% in tier |
| Loan To Share |
66.9%
+0.6% YoY-1.5% QoQ
|
-4.7% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$26,660
+86.3% YoY+2.3% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
15.0%
+41.2% YoY+14.5% QoQ
|
-9.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
0.3%
-56.2% YoY-16.7% QoQ
|
-13.3% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)