BlastPoint's Credit Union Scorecard

MOCSE

Charter #12805 · CA

100M-500M

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

MOCSE has 5 strengths but faces 8 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

+ ROA 0.24% above tier average
+ Net Interest Margin 0.45% above tier average
+ Total Deposits: Top 4.0% in tier
+ Total Assets: Top 6.4% in tier
+ Total Members: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Indirect Auto Concentration (%): Bottom 4.6% in tier
- AMR Growth Rate: Bottom 5.0% in tier
- Deposit Growth Rate: Bottom 8.2% in tier
- Net Charge-Off Rate: Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	29,926 +3.1% YoY+0.8% QoQ	+14.8K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Top 6.5% in tier
Assets	$430.5M -0.9% YoY+0.1% QoQ	+$198.8M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 6.5% in tier
Loans	$210.0M -3.1% YoY-3.6% QoQ	+$65.9M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	79%
Deposits	$396.5M -2.7% YoY+0.0% QoQ	+$195.4M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 4.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% -6.7% YoY-4.0% QoQ	+0.2%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	68%
NIM	4.1% +1.8% YoY-0.4% QoQ	+0.5%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	76.2% +8.2% YoY+10.1% QoQ	-1.8%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	0.7% -6.6% YoY-9.8% QoQ	+0.0	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	59%
Loan To Share	53.0% -0.5% YoY-3.7% QoQ	-17.5%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 14.8% in tier
AMR	$20,267 -5.7% YoY-2.1% QoQ	$-5K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	33%
CD Concentration	13.3% +3.3% YoY-6.0% QoQ	-11.0%	24.3%	21.6%	19.8%	50%
Indirect Auto %	46.5% -4.8% YoY-2.4% QoQ	+32.7%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Shrinking Wallet Share

decline

#57 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -5.71%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Deposit Outflow

decline

#25 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.66%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 3.08%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Indirect Auto Dependency

risk

#327 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.89%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 46.54%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 3.08%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Cost Spiral

risk

#69 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: 5.78% points

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

worse than tier avg

Efficiency Ratio (Prior Year): 63.18%

(Tier: 60.69%, National: 64.04%)

worse than tier avg

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

→ Stable (87→83 CUs) -4 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 (9 metrics)

Total Deposits

balance_sheet

Value: $396.49M

Peer Median: $171.29M

#44 of 1070 Top 4.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $430.49M

Peer Median: $196.57M

#70 of 1070 Top 6.4% in 100M-500M tier

Total Members

engagement

Value: 29,926

Peer Median: 13,200

#70 of 1070 Top 6.4% in 100M-500M tier

155

Members Per Employee (MPE)

engagement

Value: 427.514

Peer Median: 309.176

#155 of 1070 Top 14.4% in 100M-500M tier

177

First Mortgage Concentration (%)

balance_sheet

Value: 12.76%

Peer Median: 29.47%

#177 of 1070 Top 16.4% in 100M-500M tier

191

Share Certificate Concentration (%)

balance_sheet

Value: 13.32%

Peer Median: 23.10%

#191 of 1070 Top 17.8% in 100M-500M tier

210

Member Growth Rate

growth

Value: 3.08%

Peer Median: -0.06%

#210 of 1070 Top 19.5% in 100M-500M tier

221

Total Loans

balance_sheet

Value: $210.01M

Peer Median: $121.41M

#221 of 1070 Top 20.6% in 100M-500M tier

236

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: 3.62%

#236 of 1070 Top 22.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1022

Indirect Auto Concentration (%)

balance_sheet

Value: 46.54%

Peer Median: 6.61%

#1022 of 1070 Bottom 4.6% in 100M-500M tier

1018

AMR Growth Rate

growth

Value: -5.71%

Peer Median: 3.46%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

983

Deposit Growth Rate

growth

Value: -2.66%

Peer Median: 3.30%

#983 of 1070 Bottom 8.2% in 100M-500M tier

978

Net Charge-Off Rate

risk

Value: 1.13%

Peer Median: 0.35%

#978 of 1070 Bottom 8.7% in 100M-500M tier

939

Asset Growth Rate

growth

Value: -0.89%

Peer Median: 3.91%

#939 of 1070 Bottom 12.3% in 100M-500M tier

912

Loan-to-Share Ratio

balance_sheet

Value: 52.97%

Peer Median: 71.88%

#912 of 1070 Bottom 14.9% in 100M-500M tier

893

Loan Growth Rate

growth

Value: -3.10%

Peer Median: 2.93%

#893 of 1070 Bottom 16.6% in 100M-500M tier

817

Loan-to-Member Ratio (LMR)

engagement

Value: $7,018

Peer Median: $9,356

#817 of 1070 Bottom 23.7% in 100M-500M tier