BlastPoint's Credit Union Scorecard

KINGS

Charter #10395 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

KINGS has 2 strengths but faces 5 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

+ ROA 0.32% above tier average
+ Members Per Employee (MPE): Top 4.2% 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
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 1.4% in tier
- Fee Income Per Member: Bottom 7.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,584 -0.1% YoY+0.4% QoQ	-5.9K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	28%
Assets	$161.9M +7.3% YoY+3.2% QoQ	$-69.9M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	35%
Loans	$87.6M +0.9% YoY+1.3% QoQ	$-59.8M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	27%
Deposits	$136.9M +6.1% YoY+3.6% QoQ	$-63.9M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% 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	1.1% +13.7% YoY-2.0% QoQ	+0.3%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	72%
NIM	3.3% +7.5% YoY-0.4% QoQ	-0.3%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	34%
Efficiency Ratio	66.6% -4.8% YoY-0.9% QoQ	-10.4%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	18%
Delinquency Rate	0.4% +167.7% YoY+68.8% QoQ	-0.5	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	24%
Loan To Share	63.9% -4.9% YoY-2.2% QoQ	-8.3%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	30%
AMR	$23,424 +4.1% YoY+2.3% QoQ	$-1K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	54%
CD Concentration	22.3% -0.5% YoY-1.8% QoQ	-2.1%	24.4%	21.7%	19.8%	50%
Indirect Auto %	69.8% +1.8% YoY+0.6% QoQ	+56.0%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#16 of 506 • 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): 7.32%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 69.81%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.11%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY

Credit Quality Pressure

risk

#301 of 705 • 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): 0.25% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#366 of 456 • 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): 0.88%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 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 1069 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 532.444

Peer Median: -

#46 of 1069 Top 4.2% in 100M-500M tier

130

First Mortgage Concentration (%)

balance_sheet

Value: 9.53%

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

144

Net Worth Ratio

risk

Value: 15.50%

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

188

Efficiency Ratio

profitability

Value: 66.57%

Peer Median: -

#188 of 1069 Top 17.5% in 100M-500M tier

254

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#254 of 1069 Top 23.7% in 100M-500M tier

Top Weaknesses (2 metrics)

1055

Indirect Auto Concentration (%)

balance_sheet

Value: 69.81%

Peer Median: -

#1055 of 1069 Bottom 1.4% in 100M-500M tier

987

Fee Income Per Member

profitability

Value: $83.98

Peer Median: -

#987 of 1069 Bottom 7.8% in 100M-500M tier