BlastPoint's Credit Union Scorecard
LOS ANGELES
Charter #1207 · CA
LOS ANGELES has 1 strength but faces 5 concerns
How does the industry compare?
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 53.4% in tier
- - Credit Risk Growth: Bottom 76.8% in tier
- - Stagnation Risk: Bottom 80.0% in tier
- - Membership Headwinds: Bottom 80.0% in tier
- - ROA 0.15% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,996
-1.1% YoY+1.2% QoQ
|
-21.1K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$1.3B
+0.1% YoY+1.8% QoQ
|
$-441.6M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$881.2M
+1.0% YoY-1.8% QoQ
|
$-332.5M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
25% |
| Deposits |
$1.1B
+3.7% YoY+2.8% QoQ
|
$-319.2M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
0.6%
+103.6% YoY+16.0% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
3.8%
+17.0% YoY+4.8% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
72.5%
-11.2% YoY-5.9% QoQ
|
-2.2% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.6%
+3.2% YoY-18.9% QoQ
|
-0.2 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
76.9%
-2.7% YoY-4.5% QoQ
|
-6.3% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
28% |
| AMR |
$27,036
+3.7% YoY-0.4% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration |
22.5%
+12.3% YoY+8.8% QoQ
|
-6.3% | 28.8% | 21.6% | 19.8% | 23% |
| Indirect Auto % |
7.0%
-9.4% YoY-2.0% QoQ
|
-11.1% | 18.1% | 9.0% | 7.7% | 30% |
Signature Analysis
Strengths (0)
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)