BlastPoint's Credit Union Scorecard

MISSION CITY

Charter #13131 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

MISSION CITY has 5 strengths but faces 6 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
+ Loan-to-Member Ratio (LMR): Top 1.4% in tier
+ Average Member Relationship (AMR): Top 1.7% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- ROA 0.08% below tier average
- Total Members: Bottom 2.2% in tier
- Net Worth Ratio: Bottom 9.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	4,482 +4.0% YoY+1.2% QoQ	-11.0K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 2.1% in tier
Assets	$159.2M +2.8% YoY-0.4% QoQ	$-72.7M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	34%
Loans	$115.0M +4.4% YoY+1.4% QoQ	$-32.3M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	45%
Deposits	$135.9M +2.2% YoY-0.5% QoQ	$-64.9M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	34%

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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	0.7% +4.6% QoQ	-0.1%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	43%
NIM	3.4% +20.8% YoY+0.6% QoQ	-0.2%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	36%
Efficiency Ratio	76.0% -16.4% YoY-0.0% QoQ	-1.1%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	44%
Delinquency Rate	0.5% +202.7% YoY-0.9% QoQ	-0.4	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	35%
Loan To Share	84.6% +2.2% YoY+2.0% QoQ	+12.4%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	74%
AMR	$55,991 -0.8% YoY-0.8% QoQ	+$31K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 1.8% in tier
CD Concentration	33.5% +18.0% YoY+5.6% QoQ	+9.0%	24.4%	21.7%	19.8%	50%
Indirect Auto %	1.6% -52.6% YoY-15.3% QoQ	-12.2%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#127 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 1.63%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#249 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.68%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 1.63%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#131 of 182 • 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: 0.68%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Member Growth (YoY): 4.01%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#201 of 705 • 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): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#181 of 456 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.42%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.36% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Shrinking Wallet Share

decline

#192 of 208 • 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): -0.79%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $25,659

Peer Median: -

#16 of 1069 Top 1.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $55,991

Peer Median: -

#19 of 1069 Top 1.7% in 100M-500M tier

149

Member Growth Rate

growth

Value: 4.01%

Peer Median: -

#149 of 1069 Top 13.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1047

Total Members

engagement

Value: 4,482

Peer Median: -

#1047 of 1069 Bottom 2.2% in 100M-500M tier

974

Net Worth Ratio

risk

Value: 8.63%

Peer Median: -

#974 of 1069 Bottom 9.0% in 100M-500M tier

911

AMR Growth Rate

growth

Value: -0.79%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

865

Share Certificate Concentration (%)

balance_sheet

Value: 33.46%

Peer Median: -

#865 of 1069 Bottom 19.2% in 100M-500M tier

826

First Mortgage Concentration (%)

balance_sheet

Value: 43.06%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier

809

Members Per Employee (MPE)

engagement

Value: 263.647

Peer Median: -

#809 of 1069 Bottom 24.4% in 100M-500M tier