BlastPoint's Credit Union Scorecard
UNITED CATHOLICS
Charter #12029 · CA
UNITED CATHOLICS demonstrates 1 strength
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,569
-0.9% YoY+0.1% QoQ
|
+953 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$47.8M
+2.7% YoY+1.2% QoQ
|
+$17.7M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$22.6M
+4.7% YoY+2.2% QoQ
|
+$6.8M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$42.7M
+1.2% YoY+1.1% QoQ
|
+$17.0M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.8%
+3.9% YoY+7.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
3.3%
+1.0% YoY-0.7% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
29% |
| Efficiency Ratio |
79.3%
-2.4% YoY-1.7% QoQ
|
-3.3% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.0%
-95.9% YoY
|
-1.5 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
15% |
| Loan To Share |
53.0%
+3.4% YoY+1.1% QoQ
|
-7.7% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
37% |
| AMR |
$18,286
+3.3% YoY+1.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
17.3%
+12.0% YoY+4.1% QoQ
|
-7.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)