BlastPoint's Credit Union Scorecard
MISSION CITY
Charter #13131 · CA
MISSION CITY has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 11.8% in tier
- + Organic Growth Engine: Top 17.2% in tier
- + Relationship Depth Leader: Top 37.9% in tier
- + Wallet Share Momentum: Top 74.0% in tier
- + Emerging Performer: Top 74.7% in tier
- + Loan-to-Member Ratio (LMR): Top 1.4% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Loan Growth Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Total Members: Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,431
+3.3% YoY+1.1% QoQ
|
-11.2K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.9% in tier |
| Assets |
$159.8M
+8.8% YoY+0.7% QoQ
|
$-71.5M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$113.4M
+14.1% YoY+2.3% QoQ
|
$-34.4M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$136.7M
+6.2% YoY+0.4% QoQ
|
$-63.6M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
0.7%
+316.7% YoY+14.3% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
42% |
| NIM |
3.4%
+24.2% YoY+3.6% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
76.0%
-13.2% YoY-3.1% QoQ
|
-1.3% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.5%
-6.9% YoY+3.8% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
83.0%
+7.4% YoY+1.9% QoQ
|
+10.3% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$56,443
+6.1% YoY+0.1% QoQ
|
+$32K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 1.6% in tier |
| CD Concentration |
31.7%
+19.1% YoY-0.8% QoQ
|
+7.3% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.9%
-55.5% YoY-25.1% QoQ
|
-12.1% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (0)
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)