BlastPoint's Credit Union Scorecard

MISSION CITY

Charter #13131 · CA

100M-500M

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

MISSION CITY has 6 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
+ Relationship Depth Leader: Top 50.0% in tier
+ Loan-to-Member Ratio (LMR): Top 1.5% in tier
+ Average Member Relationship (AMR): Top 1.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.16% below tier average
- Efficiency ratio 1.64% above tier (higher cost structure)
- Total Members: Bottom 2.6% in tier
- Net Worth Ratio: Bottom 7.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	4,517 +3.6% YoY+0.8% QoQ	-10.6K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 2.5% in tier
Assets	$164.3M +4.4% YoY+3.2% QoQ	$-67.4M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	37%
Loans	$117.5M +6.8% YoY+2.2% QoQ	$-26.7M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	48%
Deposits	$141.0M +4.5% YoY+3.7% QoQ	$-60.1M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	36%

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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	0.6% -27.4% YoY-16.2% QoQ	-0.2%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	41%
NIM	3.5% +6.1% YoY+3.3% QoQ	-0.1%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	43%
Efficiency Ratio	79.7% +5.1% YoY+4.9% QoQ	+1.6%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.5% +8.7% YoY-5.7% QoQ	-0.3	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	41%
Loan To Share	83.3% +2.2% YoY-1.5% QoQ	+12.9%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	76%
AMR	$57,234 +1.9% YoY+2.2% QoQ	+$32K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 1.7% in tier
CD Concentration	34.0% +12.8% YoY+1.6% QoQ	+9.7%	24.3%	21.6%	19.8%	50%
Indirect Auto %	1.3% -55.8% YoY-18.2% QoQ	-12.5%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#131 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): 3.55%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 1.33%

(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

#222 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.55%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.57%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 1.33%

(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

#133 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: 0.57%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 3.55%

(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

Relationship Depth Leader

growth

#238 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.89%

(Tier: 3.74%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $4.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#348 of 476 • 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): 6.78%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#610 of 727 • 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): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

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 (4 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $26,012

Peer Median: $9,356

#17 of 1070 Top 1.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $57,234

Peer Median: $22,931

#18 of 1070 Top 1.6% in 100M-500M tier

182

Member Growth Rate

growth

Value: 3.55%

Peer Median: -0.06%

#182 of 1070 Top 16.9% in 100M-500M tier

255

Loan-to-Share Ratio

balance_sheet

Value: 83.31%

Peer Median: 71.88%

#255 of 1070 Top 23.7% in 100M-500M tier

Top Weaknesses (4 metrics)

1043

Total Members

engagement

Value: 4,517

Peer Median: 13,200

#1043 of 1070 Bottom 2.6% in 100M-500M tier

988

Net Worth Ratio

risk

Value: 8.51%

Peer Median: 11.45%

#988 of 1070 Bottom 7.8% in 100M-500M tier

887

Share Certificate Concentration (%)

balance_sheet

Value: 34.01%

Peer Median: 23.10%

#887 of 1070 Bottom 17.2% in 100M-500M tier

851

First Mortgage Concentration (%)

balance_sheet

Value: 44.96%

Peer Median: 29.47%

#851 of 1070 Bottom 20.6% in 100M-500M tier