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 0.38% above tier average
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 56.0% in tier
- - Stagnation Risk: Bottom 58.3% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 2.95% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 7.3% in tier
- - Fee Income Per Member: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
74,139
-1.9% YoY-2.1% QoQ
|
-23.3K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$1.3B
-1.8% YoY-1.4% QoQ
|
$-467.6M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$897.1M
+1.4% YoY+1.7% QoQ
|
$-337.3M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$1.1B
+3.5% YoY-1.3% QoQ
|
$-344.3M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.5%
-348.0% YoY+9.5% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
3.7%
+21.3% YoY+4.8% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
77.0%
-7.9% YoY-1.3% QoQ
|
+3.0% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
0.7%
-1.9% YoY+12.6% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
45% |
| Loan To Share |
80.5%
-2.0% YoY+3.1% QoQ
|
-4.3% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$27,140
+4.5% YoY+2.1% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
46% |
| CD Concentration |
20.7%
+5.8% YoY-7.6% QoQ
|
-8.3% | 29.0% | 21.7% | 19.8% | Bottom 14.9% in tier |
| Indirect Auto % |
7.1%
-11.1% YoY-4.8% QoQ
|
-11.2% | 18.3% | 9.2% | 7.8% | 30% |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)