BlastPoint's Credit Union Scorecard

KINGS

Charter #10395 · CA

1077 CUs in 100M-500M nationally 63 in CA

KINGS has 3 strengths but faces 6 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

+ Credit Quality Leader: Top 52.8% in tier
+ ROA 0.31% above tier average
+ Members Per Employee (MPE): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 4.2% in tier
- Stagnation Risk: Bottom 15.1% in tier
- Membership Headwinds: Bottom 27.4% in tier
- Institutional Decline: Bottom 30.1% in tier
- Indirect Auto Concentration (%): Bottom 1.3% in tier
- Fee Income Per Member: Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,550 -1.1% YoY+3.6% QoQ	-6.1K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	27%
Assets	$156.9M +2.7% YoY+1.1% QoQ	$-74.4M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	33%
Loans	$86.4M -2.9% YoY+0.1% QoQ	$-61.4M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	26%
Deposits	$132.2M +1.1% YoY+0.3% QoQ	$-68.1M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	32%

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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% +37.0% YoY+1.7% QoQ	+0.3%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	72%
NIM	3.4% +10.6% YoY+1.2% QoQ	-0.2%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	36%
Efficiency Ratio	67.2% -7.1% YoY-0.4% QoQ	-10.1%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	19%
Delinquency Rate	0.2% -12.4% YoY-8.1% QoQ	-0.6	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 14.0% in tier
Loan To Share	65.4% -3.9% YoY-0.3% QoQ	-7.3%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	32%
AMR	$22,897 +0.6% YoY-3.3% QoQ	$-1K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	53%
CD Concentration	22.7% -3.4% YoY+0.9% QoQ	-1.7%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	69.4% +1.0% YoY+0.2% QoQ	+55.4%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#180 of 340 • Top 52.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.24%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.03% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Concerns (4)

Indirect Auto Dependency

risk

#68 of 525 • Bottom 4.2% in tier

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

Why This Signature

Asset Growth (YoY): 2.74%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 69.42%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

Stagnation Risk

risk

#250 of 550 • Bottom 15.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.89%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#451 of 550 • Bottom 27.4% in tier

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

Why This Signature

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#238 of 256 • Bottom 30.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $156.92M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.15%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -2.89%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | 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 1077 peers in tier

Top Strengths (5 metrics)

Members Per Employee (MPE)

engagement

Value: 530.556

Peer Avg: -

#43 of 1077 Top 3.9% in 100M-500M tier

133

Net Worth Ratio

risk

Value: 15.72%

Peer Avg: -

#133 of 1077 Top 12.3% in 100M-500M tier

133

First Mortgage Concentration (%)

balance_sheet

Value: 9.43%

Peer Avg: -

#133 of 1077 Top 12.3% in 100M-500M tier

152

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Avg: -

#152 of 1077 Top 14.0% in 100M-500M tier

206

Efficiency Ratio

profitability

Value: 67.19%

Peer Avg: -

#206 of 1077 Top 19.0% in 100M-500M tier

Top Weaknesses (3 metrics)

1064

Indirect Auto Concentration (%)

balance_sheet

Value: 69.42%

Peer Avg: -

#1064 of 1077 Bottom 1.3% in 100M-500M tier

993

Fee Income Per Member

profitability

Value: $82.15

Peer Avg: -

#993 of 1077 Bottom 7.9% in 100M-500M tier

849

Loan Growth Rate

growth

Value: -2.89%

Peer Avg: -

#849 of 1077 Bottom 21.3% in 100M-500M tier