BlastPoint's Credit Union Scorecard
MOJAVE PLANT EMPLOYEES
Charter #11900 · CA
<100M
2556 CUs in <100M nationally
91 in CA
MOJAVE PLANT EMPLOYEES has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.87% above tier average
- + Net Interest Margin 1.13% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.9% YoY
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Total Members: Bottom 4.8% in tier
- - Total Assets: Bottom 5.4% in tier
- - Total Deposits: Bottom 5.8% in tier
- - Asset Growth Rate: Bottom 6.1% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
- - Member Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
199
-7.9% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 4.7% in tier |
| Assets |
$1.0M
-8.9% YoY-3.9% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.4% in tier |
| Loans |
$646,361
-15.6% YoY-0.7% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.8% in tier |
| Deposits |
$806,017
-10.2% YoY-5.4% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
-21.8% YoY-199.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
5.1%
-13.2% YoY+1.8% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
71.7%
+7.7% YoY-20.8% QoQ
|
-10.9% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
80.2%
-6.0% YoY+5.0% QoQ
|
+19.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$7,298
-5.3% YoY-3.4% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
327
Net Interest Margin (NIM)
profitability
Value:
5.08%
Peer Median: -
#327 of 2556
Top 12.8% in <100M tier
425
Return on Assets (ROA)
profitability
Value:
1.49%
Peer Median: -
#425 of 2556
Top 16.6% in <100M tier
552
Loan-to-Share Ratio
balance_sheet
Value:
80.19%
Peer Median: -
#552 of 2556
Top 21.6% in <100M tier
617
Net Worth Ratio
risk
Value:
19.46%
Peer Median: -
#617 of 2556
Top 24.1% in <100M tier
Top Weaknesses (13 metrics)
2441
Net Charge-Off Rate
risk
Value:
2.43%
Peer Median: -
#2441 of 2556
Bottom 4.5% in <100M tier
2435
Total Members
engagement
Value:
199
Peer Median: -
#2435 of 2556
Bottom 4.8% in <100M tier
2418
Total Assets
balance_sheet
Value:
$1.00M
Peer Median: -
#2418 of 2556
Bottom 5.4% in <100M tier
2410
Total Deposits
balance_sheet
Value:
$806,017
Peer Median: -
#2410 of 2556
Bottom 5.8% in <100M tier
2400
Asset Growth Rate
growth
Value:
-8.89%
Peer Median: -
#2400 of 2556
Bottom 6.1% in <100M tier
2385
Deposit Growth Rate
growth
Value:
-10.24%
Peer Median: -
#2385 of 2556
Bottom 6.7% in <100M tier
2347
Member Growth Rate
growth
Value:
-7.87%
Peer Median: -
#2347 of 2556
Bottom 8.2% in <100M tier
2332
Total Loans
balance_sheet
Value:
$646,361
Peer Median: -
#2332 of 2556
Bottom 8.8% in <100M tier
2315
Loan Growth Rate
growth
Value:
-15.62%
Peer Median: -
#2315 of 2556
Bottom 9.5% in <100M tier
2163
AMR Growth Rate
growth
Value:
-5.26%
Peer Median: -
#2163 of 2556
Bottom 15.4% in <100M tier