BlastPoint's Credit Union Scorecard
BAY
Charter #12067 · CA
BAY faces 4 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 31.5% in tier
- - Margin Compression: Bottom 43.7% in tier
- - Credit Quality Pressure: Bottom 44.6% in tier
- - Credit Risk Growth: Bottom 51.9% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +6.8% year over year ($1.70B in shares and deposits).
- Membership: 96,735 members, +3.8% vs a year ago.
- Delinquency rate 0.31%.
- Return on assets 0.87%.
- Efficiency ratio 71.09% vs a 73.02% peer average.
- Loan-to-share ratio 70.52% vs a 84.71% 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 |
96,735
+3.8% YoY-0.5% QoQ
|
-126 |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$1.9B
+7.3% YoY+0.7% QoQ
|
+$181.9M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
66% |
| Loans |
$1.2B
+5.5% YoY+2.1% QoQ
|
$-35.3M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$1.7B
+6.8% YoY+0.4% QoQ
|
+$236.7M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.9%
-27.3% YoY-2.4% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
59% |
| NIM |
3.3%
+5.3% YoY+0.0% QoQ
|
-0.1% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
39% |
| Efficiency Ratio |
71.1%
+7.3% YoY+0.5% QoQ
|
-1.9% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.3%
+22.6% YoY+86.0% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 11.3% in tier |
| Loan To Share |
70.5%
-1.2% YoY+1.7% QoQ
|
-14.2% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$29,968
+2.3% YoY+1.6% QoQ
|
+$392 |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
61% |
| CD Concentration |
20.1%
+2.8% YoY+3.0% QoQ
|
-9.0% | 29.1% | 22.2% | 20.0% | Bottom 13.3% in tier |
| Indirect Auto % |
23.0%
-9.3% YoY-2.6% QoQ
|
+4.9% | 18.1% | 9.2% | 7.7% | 67% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)