BlastPoint's Credit Union Scorecard

BEFIT FINANCIAL

Charter #11943 · CA

<100M

2508 CUs in <100M nationally 92 in CA

BEFIT FINANCIAL has 2 strengths but faces 3 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

+ ROA 0.28% above tier average
+ Fee Income Per Member: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Member decline: -8.2% YoY
- Member Growth Rate: Bottom 8.3% in tier
- Indirect Auto Concentration (%): Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	2,377 -8.2% YoY-1.2% QoQ	-299	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	59%
Assets	$39.3M +1.3% YoY-0.8% QoQ	+$9.2M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	68%
Loans	$19.2M -13.2% YoY-4.7% QoQ	+$3.9M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	69%
Deposits	$35.1M +0.9% YoY-1.1% QoQ	+$9.3M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	70%

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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	0.4% +739.7% YoY+180.3% QoQ	+0.3%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	41%
NIM	3.6% +3.9% YoY+0.5% QoQ	-0.4%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	41%
Efficiency Ratio	88.2% -8.0% YoY-6.2% QoQ	-2.4%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	66%
Delinquency Rate	1.2% -38.2% YoY-16.4% QoQ	-0.3	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	69%
Loan To Share	54.6% -14.0% YoY-3.6% QoQ	-3.9%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	44%
AMR	$22,836 +3.9% YoY-1.1% QoQ	+$8K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 13.0% in tier
CD Concentration	11.0% +4.4% YoY+1.2% QoQ	-13.3%	24.3%	21.6%	19.8%	50%
Indirect Auto %	8.4% +23.2% YoY+0.5% QoQ	-5.4%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

127

Fee Income Per Member

profitability

Value: $198.66

Peer Median: $60.42

#127 of 2508 Top 5.0% in <100M tier

325

Average Member Relationship (AMR)

engagement

Value: $22,836

Peer Median: $13,926

#325 of 2508 Top 12.9% in <100M tier

440

Loan-to-Member Ratio (LMR)

engagement

Value: $8,066

Peer Median: $4,923

#440 of 2508 Top 17.5% in <100M tier

Top Weaknesses (5 metrics)

2300

Member Growth Rate

growth

Value: -8.15%

Peer Median: -1.37%

#2300 of 2508 Bottom 8.3% in <100M tier

2274

Indirect Auto Concentration (%)

balance_sheet

Value: 8.39%

Peer Median: 0.00%

#2274 of 2508 Bottom 9.4% in <100M tier

2161

First Mortgage Concentration (%)

balance_sheet

Value: 39.54%

Peer Median: 3.66%

#2161 of 2508 Bottom 13.9% in <100M tier

2139

Loan Growth Rate

growth

Value: -13.15%

Peer Median: -2.36%

#2139 of 2508 Bottom 14.8% in <100M tier

2137

Net Worth Ratio

risk

Value: 9.69%

Peer Median: 14.28%

#2137 of 2508 Bottom 14.8% in <100M tier