BlastPoint's Credit Union Scorecard
BAY
Charter #12067 · CA
BAY has 3 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 24.8% in tier
- + ROA 0.35% above tier average
- + Total Delinquency Rate (60+ days): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 45.6% in tier
- - Credit Risk Growth: Bottom 86.5% in tier
- - Credit Quality Pressure: Bottom 88.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
96,220
+4.9% YoY+1.0% QoQ
|
-1.2K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
58% |
| Assets |
$1.9B
+9.5% YoY+2.0% QoQ
|
+$130.4M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$1.2B
+5.1% YoY+0.5% QoQ
|
$-68.5M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$1.7B
+8.2% YoY+1.7% QoQ
|
+$194.5M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
1.0%
+53.3% YoY-4.3% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.2%
+8.0% YoY+0.5% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
68.5%
-10.4% YoY+0.8% QoQ
|
-5.5% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.2%
+25.2% YoY-37.0% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.3% in tier |
| Loan To Share |
70.5%
-2.9% YoY-1.2% QoQ
|
-14.3% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
16% |
| AMR |
$29,306
+2.0% YoY+0.2% QoQ
|
$-123 |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
19.5%
-2.0% YoY+1.7% QoQ
|
-9.5% | 29.0% | 21.7% | 19.8% | Bottom 12.8% in tier |
| Indirect Auto % |
24.0%
-10.6% YoY-2.4% QoQ
|
+5.7% | 18.3% | 9.2% | 7.8% | 67% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)