BlastPoint's Credit Union Scorecard

SRI

Charter #11872 · CA

100M-500M

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

SRI has 7 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 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.07% above tier average
+ Average Member Relationship (AMR): Top 0.5% in tier
+ Loan-to-Member Ratio (LMR): Top 0.5% in tier
+ Loan-to-Share Ratio: Top 4.5% in tier
+ Net Charge-Off Rate: Top 7.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- First Mortgage Concentration (%): Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	5,065 -1.6% YoY-0.3% QoQ	-10.1K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 3.8% in tier
Assets	$242.1M +1.7% YoY+2.4% QoQ	+$10.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	61%
Loans	$190.9M +7.4% YoY+4.2% QoQ	+$46.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	74%
Deposits	$201.9M +1.5% YoY+2.1% QoQ	+$720K	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	59%

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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	0.8% -25.5% YoY-16.0% QoQ	+0.1%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	57%
NIM	2.5% +2.8% YoY-2.3% QoQ	-1.2%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Bottom 4.3% in tier
Efficiency Ratio	67.4% +11.5% YoY+5.7% QoQ	-10.6%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	0.3% +75.1% YoY-13.4% QoQ	-0.5	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	22%
Loan To Share	94.6% +5.8% YoY+2.1% QoQ	+24.1%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Top 4.6% in tier
AMR	$77,540 +6.0% YoY+3.5% QoQ	+$53K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 0.6% in tier
CD Concentration	35.9% +8.3% YoY+2.3% QoQ	+11.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#106 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#381 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.97%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (7)

Liquidity Strain

risk

#65 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.57%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.41%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Credit Risk Growth

risk

#244 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.41%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Cost Spiral

risk

#46 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 6.96% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 35.40%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Credit Quality Pressure

risk

#451 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Margin Compression

decline

#98 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.80%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.08%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.27% points

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

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Membership Headwinds

decline

#420 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#533 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.41%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.29%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $77,540

Peer Median: $22,931

#6 of 1070 Top 0.5% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $37,687

Peer Median: $9,356

#6 of 1070 Top 0.5% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.57%

Peer Median: 71.88%

#49 of 1070 Top 4.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: 0.35%

#77 of 1070 Top 7.1% in 100M-500M tier

210

Efficiency Ratio

profitability

Value: 67.38%

Peer Median: 78.68%

#210 of 1070 Top 19.5% in 100M-500M tier

233

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.61%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1064

First Mortgage Concentration (%)

balance_sheet

Value: 80.99%

Peer Median: 29.47%

#1064 of 1070 Bottom 0.7% in 100M-500M tier

1029

Total Members

engagement

Value: 5,065

Peer Median: 13,200

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1024

Net Interest Margin (NIM)

profitability

Value: 2.48%

Peer Median: 3.62%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

936

Fee Income Per Member

profitability

Value: $85.95

Peer Median: $154.95

#936 of 1070 Bottom 12.6% in 100M-500M tier

935

Share Certificate Concentration (%)

balance_sheet

Value: 35.89%

Peer Median: 23.10%

#935 of 1070 Bottom 12.7% in 100M-500M tier