BlastPoint's Credit Union Scorecard
BOPTI
Charter #10433 · CA
BOPTI has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.81% below tier average
- - Member decline: -2.5% YoY
- - Deposit Growth Rate: Bottom 2.5% in tier
- - Asset Growth Rate: Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 3.2% in tier
- - Loan Growth Rate: Bottom 6.7% in tier
- - Net Charge-Off Rate: Bottom 7.6% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -17.5% year over year ($47.1M in shares and deposits).
- Membership: 4,135 members, -2.5% vs a year ago.
- Delinquency rate 1.52%.
- Return on assets 0.69%.
- Efficiency ratio 64.27% vs a 88.77% peer average.
- Loan-to-share ratio 41.77% vs a 58.89% 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 |
4,135
-2.5% YoY-3.3% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$63.3M
-13.2% YoY-1.7% QoQ
|
+$33.0M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$19.7M
-19.9% YoY-5.1% QoQ
|
+$4.2M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$47.1M
-17.5% YoY-2.5% QoQ
|
+$21.3M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.7%
+8.3% YoY-18.4% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
43% |
| NIM |
3.0%
+26.8% YoY+3.0% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
64.3%
-4.9% YoY-5.2% QoQ
|
-24.5% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
1.5%
+58.0% YoY-0.6% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
41.8%
-2.9% YoY-2.6% QoQ
|
-17.1% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
24% |
| AMR |
$16,136
-16.2% YoY-0.0% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
25.8%
+2.9% YoY+6.4% QoQ
|
+1.2% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)