BlastPoint's Credit Union Scorecard

DOWNEY

Charter #11870 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

DOWNEY has 2 strengths but faces 5 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 Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.39% below tier average
- Efficiency ratio 10.19% above tier (higher cost structure)
- Net Worth Ratio: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	19,401 +2.8% YoY+1.1% QoQ	+4.3K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	76%
Assets	$331.2M +2.1% YoY+1.0% QoQ	+$99.5M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	78%
Loans	$174.1M -0.7% YoY-0.7% QoQ	+$30.0M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	70%
Deposits	$268.0M +4.4% YoY+2.8% QoQ	+$66.9M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	75%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% +525.0% YoY-156.3% QoQ	-0.4%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	25%
NIM	3.0% +3.9% YoY+0.7% QoQ	-0.7%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 15.0% in tier
Efficiency Ratio	88.2% +10.3% YoY+1.4% QoQ	+10.2%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.5% -90.0% YoY+4.6% QoQ	-0.3	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	39%
Loan To Share	65.0% -4.9% YoY-3.4% QoQ	-5.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	35%
AMR	$22,791 -0.5% YoY+0.2% QoQ	$-2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	49%
CD Concentration	23.2% +12.3% YoY+2.6% QoQ	-1.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.5% -44.1% YoY-13.9% QoQ	-13.3%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#166 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.85%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.54%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#275 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.85%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.33%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.54%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (2)

Efficiency Drag

risk

#301 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.21%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.28% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.85%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Shrinking Wallet Share

decline

#235 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -0.52%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 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 1070 peers in tier

Top Strengths (4 metrics)

226

Member Growth Rate

growth

Value: 2.85%

Peer Median: -0.06%

#226 of 1070 Top 21.0% in 100M-500M tier

236

Total Assets

balance_sheet

Value: $331.20M

Peer Median: $196.57M

#236 of 1070 Top 22.0% in 100M-500M tier

261

Total Members

engagement

Value: 19,401

Peer Median: 13,200

#261 of 1070 Top 24.3% in 100M-500M tier

268

Total Deposits

balance_sheet

Value: $268.05M

Peer Median: $171.29M

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (4 metrics)

969

Net Worth Ratio

risk

Value: 8.64%

Peer Median: 11.45%

#969 of 1070 Bottom 9.5% in 100M-500M tier

910

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.62%

#910 of 1070 Bottom 15.0% in 100M-500M tier

876

AMR Growth Rate

growth

Value: -0.52%

Peer Median: 3.46%

#876 of 1070 Bottom 18.2% in 100M-500M tier

860

Efficiency Ratio

profitability

Value: 88.21%

Peer Median: 78.68%

#860 of 1070 Bottom 19.7% in 100M-500M tier