BlastPoint's Credit Union Scorecard
RANCHO
Charter #1204 · CA
RANCHO has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Share Certificate Concentration (%): Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 13.98% above tier (higher cost structure)
- - Member decline: -2.4% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits -0.5% year over year ($99.7M in shares and deposits).
- Membership: 6,949 members, -2.4% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 0.47%.
- Efficiency ratio 90.71% vs a 76.73% peer average.
- Loan-to-share ratio 60.63% vs a 71.54% 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 |
6,949
-2.4% YoY-0.6% QoQ
|
-8.2K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 11.7% in tier |
| Assets |
$108.8M
-0.7% YoY-1.4% QoQ
|
$-123.2M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.1% in tier |
| Loans |
$60.5M
-2.6% YoY-2.3% QoQ
|
$-85.8M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.5% in tier |
| Deposits |
$99.7M
-0.5% YoY-1.5% QoQ
|
$-101.0M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.3% in tier |
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| ROA |
0.5%
+12.0% YoY-8.5% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
4.3%
+10.2% YoY+1.4% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
90.7%
+5.3% YoY-0.3% QoQ
|
+14.0% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate |
0.5%
+67.0% YoY+303.6% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
60.6%
-2.1% YoY-0.8% QoQ
|
-10.9% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
27% |
| AMR |
$23,052
+1.1% YoY-1.2% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
6.4%
+17.0% YoY+12.2% QoQ
|
-18.2% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
10.6%
-29.0% YoY-9.3% QoQ
|
-3.1% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)