BlastPoint's Credit Union Scorecard
DOWNEY
Charter #11870 · CA
DOWNEY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 53.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 61.1% in tier
- - ROA 1.35% below tier average
- - Efficiency ratio 9.98% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - Net Worth Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,181
+2.4% YoY+0.6% QoQ
|
+3.7K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$328.0M
+2.2% YoY+0.4% QoQ
|
+$96.2M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$175.4M
+3.5% YoY-4.2% QoQ
|
+$28.1M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$260.7M
+3.2% YoY+0.0% QoQ
|
+$59.9M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
73% |
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| ROA |
-0.6%
-2238.8% YoY+242.0% QoQ
|
-1.4% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.3% in tier |
| NIM |
2.9%
+5.3% YoY+0.5% QoQ
|
-0.7% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
17% |
| Efficiency Ratio |
87.0%
+4.2% YoY+1.3% QoQ
|
+10.0% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.5%
-91.2% YoY-90.6% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
67.3%
+0.3% YoY-4.2% QoQ
|
-5.0% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$22,739
+0.9% YoY-2.3% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
22.6%
+13.7% YoY+7.5% QoQ
|
-1.8% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
0.6%
-42.7% YoY-15.2% QoQ
|
-13.2% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
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)