BlastPoint's Credit Union Scorecard
BAY
Charter #12067 · CA
BAY has 2 strengths but faces 1 concern
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
- + ROA 0.17% above tier average
- + Total Delinquency Rate (60+ days): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 28.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
97,218
+5.0% YoY+1.0% QoQ
|
+1.2K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$1.9B
+7.8% YoY+2.1% QoQ
|
+$172.6M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$1.2B
+5.2% YoY+0.7% QoQ
|
$-39.1M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$1.7B
+7.2% YoY+2.4% QoQ
|
+$228.1M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.9%
+21.5% YoY-14.2% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.3%
+6.8% YoY+4.3% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
45% |
| Efficiency Ratio |
70.8%
-3.4% YoY+3.2% QoQ
|
-3.9% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.2%
-6.0% YoY-18.3% QoQ
|
-0.6 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 5.9% in tier |
| Loan To Share |
69.4%
-1.9% YoY-1.6% QoQ
|
-13.8% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.4% in tier |
| AMR |
$29,503
+1.4% YoY+0.7% QoQ
|
$-149 |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
19.5%
+1.9% YoY-0.3% QoQ
|
-9.4% | 28.8% | 21.6% | 19.8% | Bottom 12.5% in tier |
| Indirect Auto % |
23.6%
-9.8% YoY-1.8% QoQ
|
+5.5% | 18.1% | 9.0% | 7.7% | 67% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)