BlastPoint's Credit Union Scorecard
MOJAVE PLANT EMPLOYEES
Charter #11900 · CA
MOJAVE PLANT EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.03% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Efficiency ratio 3.42% above tier (higher cost structure)
- - Member decline: -2.0% YoY
- - Total Members: Bottom 4.7% in tier
- - Total Assets: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 5.2% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 5.7% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -11.6% year over year ($798K in shares and deposits).
- Membership: 194 members, -2.0% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.55%.
- Efficiency ratio 92.19% vs a 88.77% peer average.
- Loan-to-share ratio 74.14% vs a 58.89% 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 |
194
-2.0% YoY-4.0% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 4.6% in tier |
| Assets |
$997,392
-8.8% YoY-1.7% QoQ
|
$-29.3M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.0% in tier |
| Loans |
$591,371
-17.7% YoY-7.2% QoQ
|
$-14.9M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.5% in tier |
| Deposits |
$797,589
-11.6% YoY-2.3% QoQ
|
$-25.0M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.4% in tier |
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| ROA |
0.5%
-53.5% YoY-33.3% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
4.9%
+2.2% YoY-1.2% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
92.2%
+20.6% YoY+2.6% QoQ
|
+3.4% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
74.1%
-7.0% YoY-5.0% QoQ
|
+15.3% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$7,160
-12.5% YoY-0.5% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
15% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)