BlastPoint's Credit Union Scorecard

DOWNEY

Charter #11870 · CA

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

DOWNEY has 3 strengths but faces 8 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

  • + Relationship Depth Leader: Top 14.1% in tier
  • + Wallet Share Momentum: Top 16.2% in tier
  • + Organic Growth Leader: Top 32.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 0.0% in tier
  • - Growth-at-Risk: Bottom 0.7% in tier
  • - Efficiency Drag: Bottom 8.7% in tier
  • - ROA 0.96% below tier average
  • - Efficiency ratio 8.58% above tier (higher cost structure)
  • - Delinquency rate 3.97% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 0.4% in tier
  • - Asset Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 19,064
+0.5% YoY+0.5% QoQ
 +3.4K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 72%
Assets $326.8M
-2.3% YoY+0.6% QoQ
 +$95.5M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 77%
Loans $183.1M
+11.0% YoY-1.2% QoQ
 +$35.3M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 71%
Deposits $260.7M
+2.5% YoY+0.1% QoQ
 +$60.4M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 73%
ROA -0.2%
-439.1% YoY-52.4% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 4.7% in tier
NIM 2.9%
+7.2% YoY+2.0% QoQ
 -0.7% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 18%
Efficiency Ratio 85.9%
+5.0% YoY+2.4% QoQ
 +8.6% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 79%
Delinquency Rate 4.8%
+557.4% YoY+2.7% QoQ
 +4.0 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 0.4% in tier
Loan To Share 70.2%
+8.3% YoY-1.3% QoQ
 -2.5% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 41%
AMR $23,275
+5.3% YoY-1.0% QoQ
 $-1K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 55%
CD Concentration 21.0%
+9.4% YoY-1.1% QoQ
 -3.4% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 0.7%
-43.6% YoY-9.5% QoQ
 -13.2% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#389 of 1006 • Top 14.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#446 of 1006 • Top 16.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.30%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Leader

growth
#427 of 430 • Top 32.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.53%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#1 of 736 • Bottom 0.0% in tier

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

Why This Signature
Delinquency Change (YoY): 4.10% 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

Growth-at-Risk

risk
#12 of 446 • Bottom 0.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.03%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 4.10% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Efficiency Drag

risk
#154 of 521 • Bottom 8.7% in tier

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

Why This Signature
Efficiency Ratio: 85.85%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 0.53%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

131
Loan Growth Rate
growth
Value: 11.03%
Peer Avg: 3.45%
#131 of 1077 Top 12.1% in 100M-500M tier
243
Total Assets
balance_sheet
Value: $326.78M
Peer Avg: $231.30M
#243 of 1077 Top 22.5% in 100M-500M tier

Top Weaknesses (6 metrics)

1074
Total Delinquency Rate (60+ days)
risk
Value: 4.83%
Peer Avg: 0.86%
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1026
Return on Assets (ROA)
profitability
Value: -0.17%
Peer Avg: 0.79%
#1026 of 1077 Bottom 4.8% in 100M-500M tier
983
Asset Growth Rate
growth
Value: -2.34%
Peer Avg: 4.70%
#983 of 1077 Bottom 8.8% in 100M-500M tier
908
Net Worth Ratio
risk
Value: 9.19%
Peer Avg: 12.15%
#908 of 1077 Bottom 15.8% in 100M-500M tier
889
Net Interest Margin (NIM)
profitability
Value: 2.93%
Peer Avg: 3.58%
#889 of 1077 Bottom 17.5% in 100M-500M tier
853
Efficiency Ratio
profitability
Value: 85.85%
Peer Avg: 77.28%
#853 of 1077 Bottom 20.9% in 100M-500M tier
Link copied to clipboard!