BlastPoint's Credit Union Scorecard
MOJAVE PLANT EMPLOYEES
Charter #11900 · CA
<100M
2508 CUs in <100M nationally
92 in CA
MOJAVE PLANT EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.67% above tier average
- + Net Interest Margin 0.98% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.8% YoY
- - Total Members: Bottom 4.8% in tier
- - Total Assets: Bottom 5.5% in tier
- - Total Deposits: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 6.4% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
- - Deposit Growth Rate: Bottom 7.2% in tier
- - Total Loans: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
202
-3.8% YoY+1.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 4.7% in tier |
| Assets |
$1.0M
-8.4% YoY+1.3% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.4% in tier |
| Loans |
$637,002
-12.0% YoY-1.4% QoQ
|
$-14.6M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.0% in tier |
| Deposits |
$816,598
-9.6% YoY+1.3% QoQ
|
$-25.0M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 5.6% in tier |
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| ROA |
0.8%
-5.6% YoY-44.9% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
5.0%
+3.0% YoY-1.8% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 11.9% in tier |
| Efficiency Ratio |
89.8%
+8.4% YoY+25.3% QoQ
|
-0.8% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
68% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
78.0%
-2.6% YoY-2.7% QoQ
|
+19.5% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
80% |
| AMR |
$7,196
-7.1% YoY-1.4% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
16% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
91
Net Charge-Off Rate
risk
Value:
-0.44%
Peer Median: 0.07%
#91 of 2508
Top 3.6% in <100M tier
299
Net Interest Margin (NIM)
profitability
Value:
4.99%
Peer Median: 3.83%
#299 of 2508
Top 11.9% in <100M tier
513
Loan-to-Share Ratio
balance_sheet
Value:
78.01%
Peer Median: 58.72%
#513 of 2508
Top 20.4% in <100M tier
600
Net Worth Ratio
risk
Value:
19.42%
Peer Median: 14.28%
#600 of 2508
Top 23.9% in <100M tier
Top Weaknesses (12 metrics)
2389
Total Members
engagement
Value:
202
Peer Median: 1,918
#2389 of 2508
Bottom 4.8% in <100M tier
2372
Total Assets
balance_sheet
Value:
$1.01M
Peer Median: $21.86M
#2372 of 2508
Bottom 5.5% in <100M tier
2368
Total Deposits
balance_sheet
Value:
$816,598
Peer Median: $18.77M
#2368 of 2508
Bottom 5.6% in <100M tier
2348
Members Per Employee (MPE)
engagement
Value:
101.000
Peer Median: 333.750
#2348 of 2508
Bottom 6.4% in <100M tier
2333
Asset Growth Rate
growth
Value:
-8.36%
Peer Median: 1.30%
#2333 of 2508
Bottom 7.0% in <100M tier
2329
Deposit Growth Rate
growth
Value:
-9.62%
Peer Median: 0.66%
#2329 of 2508
Bottom 7.2% in <100M tier
2282
Total Loans
balance_sheet
Value:
$637,002
Peer Median: $9.48M
#2282 of 2508
Bottom 9.1% in <100M tier
2214
AMR Growth Rate
growth
Value:
-7.13%
Peer Median: 1.27%
#2214 of 2508
Bottom 11.8% in <100M tier
2120
Average Member Relationship (AMR)
engagement
Value:
$7,196
Peer Median: $13,926
#2120 of 2508
Bottom 15.5% in <100M tier
2070
Loan Growth Rate
growth
Value:
-11.98%
Peer Median: -2.36%
#2070 of 2508
Bottom 17.5% in <100M tier