BlastPoint's Credit Union Scorecard

EAST COUNTY SCHOOLS

Charter #11099 · CA

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

EAST COUNTY SCHOOLS has 7 strengths but faces 10 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

+ Organic Growth Engine: Top 24.0% in tier
+ Organic Growth Leader: Top 24.1% in tier
+ Credit Quality Leader: Top 51.0% in tier
+ Emerging Performer: Top 98.4% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 4.4% in tier
+ Loan-to-Member Ratio (LMR): Top 6.3% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 2.9% in tier
- Wealth Migration Risk: Bottom 4.5% in tier
- Credit Quality Pressure: Bottom 18.1% in tier
- Deposit Outflow: Bottom 27.5% in tier
- ROA 0.17% below tier average
- Efficiency ratio 2.11% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 1.0% in tier
- Asset Growth Rate: Bottom 1.8% in tier
- AMR Growth Rate: Bottom 2.3% in tier
- Total Members: Bottom 2.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	4,710 +1.4% YoY+0.6% QoQ	-10.9K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 2.4% in tier
Assets	$140.1M -7.0% YoY-4.4% QoQ	$-91.2M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	26%
Loans	$80.1M -1.8% YoY-1.8% QoQ	$-67.7M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	22%
Deposits	$123.0M -9.9% YoY-6.8% QoQ	$-77.3M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	27%

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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	0.6% +92.3% YoY-15.6% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	40%
NIM	3.0% +29.3% YoY+2.7% QoQ	-0.5%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	21%
Efficiency Ratio	79.4% -7.8% YoY+3.0% QoQ	+2.1%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	59%
Delinquency Rate	0.2% +119.2% YoY-31.4% QoQ	-0.6	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 13.6% in tier
Loan To Share	65.1% +9.1% YoY+5.4% QoQ	-7.6%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	31%
AMR	$43,112 -8.2% YoY-5.5% QoQ	+$19K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 4.5% in tier
CD Concentration	13.1% -4.8% YoY+4.4% QoQ	-11.3%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#441 of 603 • Top 24.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.38%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.61%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth

#318 of 430 • Top 24.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.38%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank improving

Credit Quality Leader

growth

#174 of 340 • Top 51.0% 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): 0.13% points

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

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

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

Emerging Performer

growth

#188 of 191 • Top 98.4% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.61%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.38%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#30 of 244 • Bottom 2.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -8.16%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

244 of 1077 Community CUs have this signature | 346 nationally

↓ Shrinking -221 CUs YoY | Rank improving

Wealth Migration Risk

decline

#6 of 28 • Bottom 4.5% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $43.1K

(Tier: $25.0K, National: $19.4K)

but better than tier avg

AMR Growth (YoY): -8.16%

(Tier: 3.68%, National: 4.19%)

worse than tier avg

28 of 1077 Community CUs have this signature | 39 nationally

↓ Shrinking -32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#449 of 736 • Bottom 18.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

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

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Deposit Outflow

decline

#23 of 81 • Bottom 27.5% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -9.95%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 1.38%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $43,112

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,003

Peer Avg: -

#69 of 1077 Top 6.3% in 100M-500M tier

148

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Avg: -

#148 of 1077 Top 13.6% in 100M-500M tier

189

Share Certificate Concentration (%)

balance_sheet

Value: 13.15%

Peer Avg: -

#189 of 1077 Top 17.5% in 100M-500M tier

Top Weaknesses (8 metrics)

1067

Deposit Growth Rate

growth

Value: -9.95%

Peer Avg: -

#1067 of 1077 Bottom 1.0% in 100M-500M tier

1059

Asset Growth Rate

growth

Value: -6.97%

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

1053

AMR Growth Rate

growth

Value: -8.16%

Peer Avg: -

#1053 of 1077 Bottom 2.3% in 100M-500M tier

1051

Total Members

engagement

Value: 4,710

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

893

Members Per Employee (MPE)

engagement

Value: 247.895

Peer Avg: -

#893 of 1077 Bottom 17.2% in 100M-500M tier

850

Net Interest Margin (NIM)

profitability

Value: 3.05%

Peer Avg: -

#850 of 1077 Bottom 21.2% in 100M-500M tier

838

Total Loans

balance_sheet

Value: $80.08M

Peer Avg: -

#838 of 1077 Bottom 22.3% in 100M-500M tier

829

Net Worth Ratio

risk

Value: 9.70%

Peer Avg: -

#829 of 1077 Bottom 23.1% in 100M-500M tier