BlastPoint's Credit Union Scorecard

LA LOMA

Charter #10351 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

LA LOMA has 4 strengths but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.11% above tier average
+ AMR Growth Rate: Top 0.1% in tier
+ Total Delinquency Rate (60+ days): Top 8.5% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.26% below tier average
- Efficiency ratio 4.23% above tier (higher cost structure)
- Member decline: -45.2% YoY
- Member Growth Rate: Bottom 0.4% in tier
- Total Assets: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	6,971 -45.2% YoY-0.8% QoQ	-8.2K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 11.1% in tier
Assets	$114.3M +0.2% YoY+0.0% QoQ	$-117.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 9.9% in tier
Loans	$73.5M +2.5% YoY+1.9% QoQ	$-70.6M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	20%
Deposits	$108.3M -0.7% YoY-0.4% QoQ	$-92.9M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	16%

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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% -48.0% YoY-36.3% QoQ	-0.3%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	34%
NIM	3.7% -5.9% YoY-5.7% QoQ	+0.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	82.2% +1.5% YoY+1.3% QoQ	+4.2%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	0.1% -44.9% YoY-30.2% QoQ	-0.6	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 8.5% in tier
Loan To Share	67.9% +3.3% YoY+2.3% QoQ	-2.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	42%
AMR	$26,073 +83.7% YoY+1.3% QoQ	+$1K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	67%
CD Concentration	13.1% +39.0% YoY+17.5% QoQ	-11.2%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.4% -57.0% YoY-20.8% QoQ	-13.4%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#1 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 83.70%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Membership Headwinds

decline

#1 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -45.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#218 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -45.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.54%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.13%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Efficiency Drag

risk

#586 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 82.25%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.43% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -45.24%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (3 metrics)

AMR Growth Rate

growth

Value: 83.70%

Peer Median: 3.46%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.13%

Peer Median: 0.61%

#92 of 1070 Top 8.5% in 100M-500M tier

181

Share Certificate Concentration (%)

balance_sheet

Value: 13.07%

Peer Median: 23.10%

#181 of 1070 Top 16.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1067

Member Growth Rate

growth

Value: -45.24%

Peer Median: -0.06%

#1067 of 1070 Bottom 0.4% in 100M-500M tier

964

Total Assets

balance_sheet

Value: $114.33M

Peer Median: $196.57M

#964 of 1070 Bottom 10.0% in 100M-500M tier

951

Total Members

engagement

Value: 6,971

Peer Median: 13,200

#951 of 1070 Bottom 11.2% in 100M-500M tier

898

Total Deposits

balance_sheet

Value: $108.26M

Peer Median: $171.29M

#898 of 1070 Bottom 16.2% in 100M-500M tier

893

Deposit Growth Rate

growth

Value: -0.70%

Peer Median: 3.30%

#893 of 1070 Bottom 16.6% in 100M-500M tier

862

Asset Growth Rate

growth

Value: 0.22%

Peer Median: 3.91%

#862 of 1070 Bottom 19.5% in 100M-500M tier

856

Total Loans

balance_sheet

Value: $73.50M

Peer Median: $121.41M

#856 of 1070 Bottom 20.1% in 100M-500M tier

830

Net Worth Ratio

risk

Value: 9.61%

Peer Median: 11.45%

#830 of 1070 Bottom 22.5% in 100M-500M tier