BlastPoint's Credit Union Scorecard

KINGS

Charter #10395 · CA

100M-500M

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

KINGS has 3 strengths but faces 7 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

+ Emerging Performer: Top 50.0% in tier
+ ROA 0.08% above tier average
+ Members Per Employee (MPE): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 1.1% in tier
- AMR Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,664 +4.3% YoY+0.8% QoQ	-5.5K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	30%
Assets	$162.9M +3.9% YoY+0.6% QoQ	$-68.8M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	36%
Loans	$88.7M +0.9% YoY+1.3% QoQ	$-55.4M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	30%
Deposits	$136.5M +1.9% YoY-0.3% QoQ	$-64.6M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	34%

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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	0.8% -26.5% YoY-25.5% QoQ	+0.1%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	58%
NIM	3.4% +3.3% YoY+0.2% QoQ	-0.3%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	34%
Efficiency Ratio	72.4% +5.9% YoY+8.8% QoQ	-5.6%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	0.4% +76.5% YoY+10.5% QoQ	-0.3	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	36%
Loan To Share	65.0% -1.0% YoY+1.6% QoQ	-5.4%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	36%
AMR	$23,309 -2.6% YoY-0.5% QoQ	$-2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	52%
CD Concentration	22.8% +4.3% YoY+2.2% QoQ	-1.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	70.6% +1.5% YoY+1.2% QoQ	+56.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#90 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 4.25%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (5)

Indirect Auto Dependency

risk

#138 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.88%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 70.63%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.25%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#339 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#124 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.62%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#388 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.89%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.19% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Margin Compression

decline

#111 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.09%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.29% points

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

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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 (4 metrics)

Members Per Employee (MPE)

engagement

Value: 536.889

Peer Median: 309.176

#43 of 1070 Top 3.9% in 100M-500M tier

124

First Mortgage Concentration (%)

balance_sheet

Value: 9.26%

Peer Median: 29.47%

#124 of 1070 Top 11.5% in 100M-500M tier

131

Net Worth Ratio

risk

Value: 15.64%

Peer Median: 11.45%

#131 of 1070 Top 12.1% in 100M-500M tier

146

Member Growth Rate

growth

Value: 4.25%

Peer Median: -0.06%

#146 of 1070 Top 13.6% in 100M-500M tier

Top Weaknesses (3 metrics)

1059

Indirect Auto Concentration (%)

balance_sheet

Value: 70.63%

Peer Median: 6.61%

#1059 of 1070 Bottom 1.1% in 100M-500M tier

967

AMR Growth Rate

growth

Value: -2.62%

Peer Median: 3.46%

#967 of 1070 Bottom 9.7% in 100M-500M tier

947

Fee Income Per Member

profitability

Value: $83.39

Peer Median: $154.95

#947 of 1070 Bottom 11.6% in 100M-500M tier