BlastPoint's Credit Union Scorecard
LOS ANGELES
Charter #1207 · CA
LOS ANGELES has 1 strength but faces 6 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
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 54.3% in tier
- - Credit Risk Growth: Bottom 66.7% in tier
- - Stagnation Risk: Bottom 77.2% in tier
- - Membership Headwinds: Bottom 77.2% in tier
- - ROA 0.22% below tier average
- - Efficiency ratio 0.67% above tier (higher cost structure)
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 +3.6% year over year ($1.15B in shares and deposits).
- Membership: 75,109 members, -0.5% vs a year ago.
- Delinquency rate 0.70%.
- Return on assets 0.60%.
- Efficiency ratio 73.69% vs a 73.02% peer average.
- Loan-to-share ratio 79.49% 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 |
75,109
-0.5% YoY+0.2% QoQ
|
-21.8K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$1.3B
+1.4% YoY+1.0% QoQ
|
$-433.5M |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$911.8M
+3.1% YoY+3.5% QoQ
|
$-322.4M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$1.1B
+3.6% YoY+0.1% QoQ
|
$-316.3M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.6%
+104.5% YoY+6.4% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
3.8%
+13.4% YoY+0.4% QoQ
|
+0.4% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
73.7%
-8.3% YoY+1.7% QoQ
|
+0.7% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
51% |
| Delinquency Rate |
0.7%
+3.4% YoY+21.7% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
79.5%
-0.5% YoY+3.4% QoQ
|
-5.2% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$27,411
+3.9% YoY+1.4% QoQ
|
$-2K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
45% |
| CD Concentration |
24.7%
+18.6% YoY+9.6% QoQ
|
-4.4% | 29.1% | 22.2% | 20.0% | 30% |
| Indirect Auto % |
8.5%
+12.3% YoY+21.7% QoQ
|
-9.6% | 18.1% | 9.2% | 7.7% | 34% |
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.
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.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)