BlastPoint's Credit Union Scorecard
BOPTI
Charter #10433 · CA
BOPTI has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.02% below tier average
- - AMR Growth Rate: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 9.2% in tier
- - Net Interest Margin (NIM): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,309
+0.5% YoY+1.1% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$69.7M
-5.2% YoY-2.8% QoQ
|
+$39.6M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 12.6% in tier |
| Loans |
$22.5M
-14.1% YoY-4.7% QoQ
|
+$6.7M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$53.0M
-8.7% YoY-5.2% QoQ
|
+$27.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.6%
+1976.9% YoY-19.3% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
2.6%
+34.3% YoY+4.7% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.5% in tier |
| Efficiency Ratio |
66.9%
-17.3% YoY+2.6% QoQ
|
-15.6% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.4%
+45.5% YoY+142.9% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
69% |
| Loan To Share |
42.5%
-5.9% YoY+0.5% QoQ
|
-18.2% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$17,513
-10.8% YoY-6.2% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
22.8%
-11.0% YoY+0.4% QoQ
|
-1.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)