BlastPoint's Credit Union Scorecard

BAY

Charter #12067 · CA

Mid-Market 1B-3B
304 CUs in 1B-3B nationally 40 in CA
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BAY has 4 strengths but faces 3 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 9.8% in tier
  • + Credit Quality Leader: Top 62.8% in tier
  • + Profitability Leader: Top 81.9% in tier
  • + ROA 0.38% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 8.6% in tier
  • - Credit Risk Growth: Bottom 11.2% in tier
  • - Indirect Auto Dependency: Bottom 12.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 95,228
+4.5% YoY+2.2% QoQ
 -3.5K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 56%
Assets $1.8B
+9.4% YoY+2.3% QoQ
 +$97.5M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 63%
Loans $1.2B
+5.2% YoY+2.1% QoQ
 $-72.9M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 55%
Deposits $1.6B
+8.7% YoY+2.1% QoQ
 +$171.3M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 66%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.1%
+76.8% YoY-9.3% QoQ
 +0.4% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 82%
NIM 3.2%
+7.5% YoY+0.4% QoQ
 -0.1% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 40%
Efficiency Ratio 68.0%
-12.6% YoY+2.6% QoQ
 -6.0% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 26%
Delinquency Rate 0.3%
+151.7% YoY+28.1% QoQ
 -0.5 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 15%
Loan To Share 71.4%
-3.2% YoY+0.0% QoQ
 -13.8% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 16%
AMR $29,254
+2.6% YoY-0.1% QoQ
 +$82 $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 61%
CD Concentration 19.2%
+1.4% YoY-1.6% QoQ
 -9.7% 29.0%
+0.7% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 11.8% in tier
Indirect Auto % 24.6%
-10.0% YoY-3.0% QoQ
 +5.8% 18.8%
-3.0% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 67%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#72 of 246 • Top 9.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.08%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 24.60%
(Tier: 18.77%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Credit Quality Leader

growth
#60 of 95 • Top 62.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature
Delinquency Rate: 0.32%
(Tier: 0.83%, National: 1.23%)
better than tier avg
Delinquency Change (YoY): 0.19% points
(Tier: 0.07% points, National: 0.07% points)
but worse than tier avg
95 of 380 Mid-Market CUs have this signature | 457 nationally
→ Stable (93→95 CUs) +2 CUs YoY | Rank worsening

Profitability Leader

growth
#78 of 95 • Top 81.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.08%
(Tier: 0.71%, National: 0.71%)
better than tier avg
ROA Change (YoY): 0.47% points
(Tier: 0.07% points, National: 0.05% points)
better than tier avg
95 of 380 Mid-Market CUs have this signature | 457 nationally
→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#67 of 217 • Bottom 8.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.19% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY | Rank improving

Credit Risk Growth

risk
#63 of 161 • Bottom 11.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 5.21%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.19% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#78 of 202 • Bottom 12.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 9.42%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 24.60%
(Tier: 18.77%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.45%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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)

Comparing against 304 peers in tier

Top Strengths (6 metrics)

39
Share Certificate Concentration (%)
balance_sheet
Value: 19.22%
Peer Avg: -
#39 of 304 Top 12.5% in 1B-3B tier
47
Total Delinquency Rate (60+ days)
risk
Value: 0.32%
Peer Avg: -
#47 of 304 Top 15.1% in 1B-3B tier
48
Asset Growth Rate
growth
Value: 9.42%
Peer Avg: -
#48 of 304 Top 15.5% in 1B-3B tier
55
Return on Assets (ROA)
profitability
Value: 1.08%
Peer Avg: -
#55 of 304 Top 17.8% in 1B-3B tier
64
Deposit Growth Rate
growth
Value: 8.66%
Peer Avg: -
#64 of 304 Top 20.7% in 1B-3B tier
76
Member Growth Rate
growth
Value: 4.45%
Peer Avg: -
#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (2 metrics)

255
Loan-to-Share Ratio
balance_sheet
Value: 71.37%
Peer Avg: -
#255 of 304 Bottom 16.4% in 1B-3B tier
230
Net Worth Ratio
risk
Value: 9.69%
Peer Avg: -
#230 of 304 Bottom 24.7% in 1B-3B tier
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