BlastPoint's Credit Union Scorecard

MOCSE

Charter #12805 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 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 0.33% above tier average
+ Net Interest Margin 0.61% above tier average
+ Total Deposits: Top 4.9% in tier
+ Total Members: Top 6.7% in tier
+ Total Assets: Top 7.5% 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
- Credit Quality Pressure: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- AMR Growth Rate: Bottom 2.8% in tier
- Net Charge-Off Rate: Bottom 4.2% in tier
- Indirect Auto Concentration (%): Bottom 5.0% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits -3.1% year over year ($389M in shares and deposits).
Membership: 29,868 members, +2.4% vs a year ago.
Delinquency rate 0.85%.
Return on assets 1.19%.
Efficiency ratio 71.28% vs a 76.73% peer average.
Loan-to-share ratio 53.46% vs a 71.54% 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	29,868 +2.4% YoY-0.2% QoQ	+14.7K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Top 6.8% in tier
Assets	$425.5M -1.1% YoY-1.2% QoQ	+$193.5M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 7.6% in tier
Loans	$207.8M -6.8% YoY-1.1% QoQ	+$61.5M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	78%
Deposits	$388.6M -3.1% YoY-2.0% QoQ	+$187.9M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 5.0% 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	1.2% +7.7% YoY+22.9% QoQ	+0.3%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	75%
NIM	4.3% +8.5% YoY+5.1% QoQ	+0.6%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	84%
Efficiency Ratio	71.3% +8.1% YoY-6.5% QoQ	-5.5%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	30%
Delinquency Rate	0.9% +15.9% YoY+17.2% QoQ	+0.0	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	60%
Loan To Share	53.5% -3.8% YoY+0.9% QoQ	-18.1%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 14.9% in tier
AMR	$19,968 -6.7% YoY-1.5% QoQ	$-5K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	31%
CD Concentration	13.5% -3.6% YoY+1.7% QoQ	-11.0%	24.6%	22.2%	20.0%	50%
Indirect Auto %	45.2% -9.1% YoY-2.8% QoQ	+31.6%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline

#33 of 223 • 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): -6.67%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Deposit Outflow

decline

#20 of 84 • 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): -3.08%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 2.44%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#309 of 476 • 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): -1.13%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 45.24%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.44%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#460 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Cost Spiral

risk

#75 of 95 • 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: 5.32% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 65.95%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 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 1024 peers in tier

Top Strengths (10 metrics)

Total Deposits

balance_sheet

Value: $388.64M

Peer Median: $170.77M

#51 of 1024 Top 4.9% in 100M-500M tier

Total Members

engagement

Value: 29,868

Peer Median: 13,128

#70 of 1024 Top 6.7% in 100M-500M tier

Total Assets

balance_sheet

Value: $425.53M

Peer Median: $196.38M

#78 of 1024 Top 7.5% in 100M-500M tier

162

Members Per Employee (MPE)

engagement

Value: 420.676

Peer Median: 310.924

#162 of 1024 Top 15.7% in 100M-500M tier

168

Net Interest Margin (NIM)

profitability

Value: 4.29%

Peer Median: 3.67%

#168 of 1024 Top 16.3% in 100M-500M tier

171

First Mortgage Concentration (%)

balance_sheet

Value: 12.96%

Peer Median: 29.92%

#171 of 1024 Top 16.6% in 100M-500M tier

180

Share Certificate Concentration (%)

balance_sheet

Value: 13.54%

Peer Median: 23.39%

#180 of 1024 Top 17.5% in 100M-500M tier

229

Total Loans

balance_sheet

Value: $207.78M

Peer Median: $124.04M

#229 of 1024 Top 22.3% in 100M-500M tier

242

Member Growth Rate

growth

Value: 2.44%

Peer Median: -0.03%

#242 of 1024 Top 23.5% in 100M-500M tier

253

Return on Assets (ROA)

profitability

Value: 1.19%

Peer Median: 0.75%

#253 of 1024 Top 24.6% in 100M-500M tier

Top Weaknesses (8 metrics)

996

AMR Growth Rate

growth

Value: -6.67%

Peer Median: 3.53%

#996 of 1024 Bottom 2.8% in 100M-500M tier

982

Net Charge-Off Rate

risk

Value: 1.41%

Peer Median: 0.34%

#982 of 1024 Bottom 4.2% in 100M-500M tier

974

Indirect Auto Concentration (%)

balance_sheet

Value: 45.24%

Peer Median: 6.15%

#974 of 1024 Bottom 5.0% in 100M-500M tier

968

Loan Growth Rate

growth

Value: -6.75%

Peer Median: 3.02%

#968 of 1024 Bottom 5.6% in 100M-500M tier

954

Deposit Growth Rate

growth

Value: -3.08%

Peer Median: 3.58%

#954 of 1024 Bottom 6.9% in 100M-500M tier

908

Asset Growth Rate

growth

Value: -1.13%

Peer Median: 4.12%

#908 of 1024 Bottom 11.4% in 100M-500M tier

871

Loan-to-Share Ratio

balance_sheet

Value: 53.46%

Peer Median: 73.07%

#871 of 1024 Bottom 15.0% in 100M-500M tier

794

Loan-to-Member Ratio (LMR)

engagement

Value: $6,957

Peer Median: $9,434

#794 of 1024 Bottom 22.6% in 100M-500M tier