BlastPoint's Credit Union Scorecard
EAST COUNTY SCHOOLS
Charter #11099 · CA
EAST COUNTY SCHOOLS has 7 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 71.2% in tier
- + Organic Growth Leader: Top 72.5% in tier
- + Emerging Performer: Top 98.9% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 4.2% in tier
- + Loan-to-Member Ratio (LMR): Top 6.8% in tier
- + Total Delinquency Rate (60+ days): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Wealth Migration Risk: Bottom 21.0% in tier
- - Shrinking Wallet Share: Bottom 24.6% in tier
- - Deposit Outflow: Bottom 42.6% in tier
- - Efficiency Drag: Bottom 73.0% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 4.77% above tier (higher cost structure)
- - Total Members: Bottom 2.6% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 3.8% in tier
- - AMR Growth Rate: Bottom 4.1% in tier
- - Members Per Employee (MPE): Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,714
+1.5% YoY+0.1% QoQ
|
-10.7K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 2.5% in tier |
| Assets |
$141.7M
-3.8% YoY+1.1% QoQ
|
$-90.2M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$79.0M
-2.5% YoY-1.4% QoQ
|
$-68.4M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$127.0M
-4.7% YoY+3.2% QoQ
|
$-73.8M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
29% |
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| ROA |
0.6%
+101.3% YoY-7.8% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.1%
+29.1% YoY+2.8% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
81.8%
-5.4% YoY+3.0% QoQ
|
+4.8% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.2%
-4.2% YoY-32.2% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
62.2%
+2.3% YoY-4.5% QoQ
|
-10.0% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$43,690
-5.2% YoY+1.3% QoQ
|
+$19K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 4.3% in tier |
| CD Concentration |
12.8%
-9.2% YoY-2.5% QoQ
|
-11.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)