BlastPoint's Credit Union Scorecard
BEFIT FINANCIAL
Charter #11943 · CA
BEFIT FINANCIAL has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 5.9% in tier
- + Fee Income Per Member: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.72% below tier average
- - Efficiency ratio 16.38% above tier (higher cost structure)
- - Delinquency rate 0.32% above tier average
- - Member decline: -12.9% YoY
- - Member Growth Rate: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,441
-12.9% YoY-4.2% QoQ
|
-184 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$39.0M
+2.3% YoY+3.1% QoQ
|
+$9.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$21.0M
-8.6% YoY-1.9% QoQ
|
+$5.3M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$34.9M
+2.9% YoY+3.3% QoQ
|
+$9.4M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
-0.0%
-105.7% YoY-124.8% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
15% |
| NIM |
3.6%
+4.5% YoY+3.4% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
40% |
| Efficiency Ratio |
97.8%
+15.2% YoY+3.8% QoQ
|
+16.4% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 12.9% in tier |
| Delinquency Rate |
1.8%
+86.0% YoY-17.6% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
60.3%
-11.1% YoY-5.0% QoQ
|
-0.9% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$22,920
+12.9% YoY+5.8% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 12.2% in tier |
| CD Concentration |
10.6%
-4.1% YoY-0.2% QoQ
|
-13.8% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.1%
+8.3% YoY+4.9% QoQ
|
-5.8% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)