BlastPoint's Credit Union Scorecard

TORRANCE COMMUNITY

Charter #12543 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

TORRANCE COMMUNITY has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Total Delinquency Rate (60+ days): Top 3.4% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.11% below tier average
- Efficiency ratio 5.32% above tier (higher cost structure)
- Loan-to-Share Ratio: Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	8,075 +2.8% YoY+0.5% QoQ	-7.1K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	19%
Assets	$160.0M +2.1% YoY-0.6% QoQ	$-71.7M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	35%
Loans	$70.5M +7.4% YoY+3.3% QoQ	$-73.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	17%
Deposits	$148.0M +0.1% YoY-0.7% QoQ	$-53.2M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	40%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -55.2% YoY-38.3% QoQ	-0.1%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	43%
NIM	3.3% +1.6% YoY+1.0% QoQ	-0.4%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	83.3% +28.9% YoY+14.3% QoQ	+5.3%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.1% -59.9% YoY-43.2% QoQ	-0.7	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 3.4% in tier
Loan To Share	47.6% +7.3% YoY+4.0% QoQ	-22.8%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 9.5% in tier
AMR	$27,055 -0.4% YoY+0.1% QoQ	+$2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	71%
CD Concentration	12.4% +45.6% YoY+6.3% QoQ	-11.9%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.1% -56.7% YoY-12.4% QoQ	-13.7%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#173 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.06%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#227 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.61%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.06%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#142 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.61%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 2.77%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Concerns (2)

Cost Spiral

risk

#14 of 83 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 18.68% points

(Tier: -1.19% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 57.01%

(Tier: 60.69%, National: 64.04%)

but better than tier avg

83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally

→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Efficiency Drag

risk

#534 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.34%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.76% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 2.77%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.61%

#37 of 1070 Top 3.4% in 100M-500M tier

162

First Mortgage Concentration (%)

balance_sheet

Value: 11.82%

Peer Median: 29.47%

#162 of 1070 Top 15.0% in 100M-500M tier

163

Members Per Employee (MPE)

engagement

Value: 425.000

Peer Median: 309.176

#163 of 1070 Top 15.1% in 100M-500M tier

164

Share Certificate Concentration (%)

balance_sheet

Value: 12.42%

Peer Median: 23.10%

#164 of 1070 Top 15.2% in 100M-500M tier

207

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.35%

#207 of 1070 Top 19.3% in 100M-500M tier

233

Member Growth Rate

growth

Value: 2.77%

Peer Median: -0.06%

#233 of 1070 Top 21.7% in 100M-500M tier

Top Weaknesses (6 metrics)

968

Loan-to-Share Ratio

balance_sheet

Value: 47.63%

Peer Median: 71.88%

#968 of 1070 Bottom 9.6% in 100M-500M tier

886

Total Loans

balance_sheet

Value: $70.48M

Peer Median: $121.41M

#886 of 1070 Bottom 17.3% in 100M-500M tier

884

Fee Income Per Member

profitability

Value: $97.80

Peer Median: $154.95

#884 of 1070 Bottom 17.5% in 100M-500M tier

871

Total Members

engagement

Value: 8,075

Peer Median: 13,200

#871 of 1070 Bottom 18.7% in 100M-500M tier

866

AMR Growth Rate

growth

Value: -0.39%

Peer Median: 3.46%

#866 of 1070 Bottom 19.2% in 100M-500M tier

848

Deposit Growth Rate

growth

Value: 0.14%

Peer Median: 3.30%

#848 of 1070 Bottom 20.8% in 100M-500M tier