BlastPoint's Credit Union Scorecard
DOWNEY
Charter #11870 · CA
DOWNEY has 2 strengths but faces 8 concerns
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
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.55% below tier average
- - Efficiency ratio 11.66% above tier (higher cost structure)
- - Loan Growth Rate: Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 7.9% in tier
- - Net Worth Ratio: Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +2.9% year over year ($268M in shares and deposits).
- Membership: 19,337 members, +2.0% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.32%.
- Efficiency ratio 88.40% vs a 76.73% peer average.
- Loan-to-share ratio 64.93% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,337
+2.0% YoY-0.3% QoQ
|
+4.2K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$327.9M
+0.9% YoY-1.0% QoQ
|
+$95.9M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$174.0M
-6.1% YoY-0.1% QoQ
|
+$27.7M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$267.9M
+2.9% YoY-0.0% QoQ
|
+$67.2M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
0.3%
-187.3% YoY-4.8% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
3.0%
+4.3% YoY+1.0% QoQ
|
-0.7% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.6% in tier |
| Efficiency Ratio |
88.4%
+5.5% YoY+0.2% QoQ
|
+11.7% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.5%
-88.9% YoY+9.0% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
38% |
| Loan To Share |
64.9%
-8.7% YoY-0.1% QoQ
|
-6.6% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$22,853
-2.7% YoY+0.3% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
23.8%
+12.0% YoY+2.7% QoQ
|
-0.7% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
0.5%
-42.9% YoY-13.5% QoQ
|
-13.2% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)