BlastPoint's Credit Union Scorecard
LOS ANGELES
Charter #1207 · CA
LOS ANGELES has 1 strength but faces 7 concerns
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How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.7% in tier
- - Membership Headwinds: Bottom 26.8% in tier
- - Stagnation Risk: Bottom 27.2% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 4.05% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 8.2% in tier
- - Asset Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
75,746
-1.0% YoY+0.3% QoQ
|
-22.9K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$1.3B
-3.2% YoY+0.0% QoQ
|
$-445.9M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$882.4M
-0.3% YoY-0.2% QoQ
|
$-350.7M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$1.1B
+5.2% YoY+2.1% QoQ
|
$-324.1M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
35% |
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| ROA |
0.4%
-1003.3% YoY+51.2% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
3.5%
+19.1% YoY+2.9% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
65% |
| Efficiency Ratio |
78.0%
-8.2% YoY-2.9% QoQ
|
+4.0% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.6%
+1.3% YoY-6.9% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
46% |
| Loan To Share |
78.1%
-5.2% YoY-2.2% QoQ
|
-7.1% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$26,570
+3.7% YoY+0.7% QoQ
|
$-3K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
22.4%
+13.6% YoY+7.7% QoQ
|
-6.6% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
21% |
| Indirect Auto % |
7.5%
-9.1% YoY-1.1% QoQ
|
-11.3% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
30% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)