BlastPoint's Credit Union Scorecard

CORRECTIONS

Charter #13254 · CA

<100M

2508 CUs in <100M nationally 92 in CA

CORRECTIONS has 1 strength but faces 4 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

+ Net Interest Margin 0.99% above tier average

Key Concerns

Areas that may need attention

- ROA 1.17% below tier average
- Efficiency ratio 23.58% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.8% in tier
- Net Worth Ratio: Bottom 6.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,620 +1.7% YoY+0.3% QoQ	+943	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	75%
Assets	$36.4M +5.8% YoY+7.3% QoQ	+$6.2M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	66%
Loans	$25.1M -3.5% YoY-1.0% QoQ	+$9.8M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	78%
Deposits	$33.3M +7.2% YoY+9.1% QoQ	+$7.5M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	68%

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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% +182.8% YoY-570.5% QoQ	-1.2%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 8.3% in tier
NIM	5.0% -20.1% YoY-8.7% QoQ	+1.0%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Top 11.8% in tier
Efficiency Ratio	114.2% +21.9% YoY+22.6% QoQ	+23.6%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 7.7% in tier
Delinquency Rate	0.5% +115.0% YoY+69.2% QoQ	-1.0	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	44%
Loan To Share	75.3% -9.9% YoY-9.3% QoQ	+16.8%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	75%
AMR	$16,114 +0.6% YoY+4.2% QoQ	+$1K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	61%
CD Concentration	16.0% +4.9% YoY+5.2% QoQ	-8.2%	24.3%	21.6%	19.8%	50%
Indirect Auto %	37.5% +6.0% YoY+0.3% QoQ	+23.7%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

297

Net Interest Margin (NIM)

profitability

Value: 5.00%

Peer Median: 3.83%

#297 of 2508 Top 11.8% in <100M tier

378

Deposit Growth Rate

growth

Value: 7.18%

Peer Median: 0.66%

#378 of 2508 Top 15.0% in <100M tier

464

Member Growth Rate

growth

Value: 1.74%

Peer Median: -1.37%

#464 of 2508 Top 18.5% in <100M tier

503

Asset Growth Rate

growth

Value: 5.84%

Peer Median: 1.30%

#503 of 2508 Top 20.0% in <100M tier

558

Total Loans

balance_sheet

Value: $25.06M

Peer Median: $9.48M

#558 of 2508 Top 22.2% in <100M tier

619

Total Members

engagement

Value: 3,620

Peer Median: 1,918

#619 of 2508 Top 24.6% in <100M tier

622

Loan-to-Share Ratio

balance_sheet

Value: 75.34%

Peer Median: 58.72%

#622 of 2508 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2439

Indirect Auto Concentration (%)

balance_sheet

Value: 37.51%

Peer Median: 0.00%

#2439 of 2508 Bottom 2.8% in <100M tier

2355

Net Worth Ratio

risk

Value: 8.31%

Peer Median: 14.28%

#2355 of 2508 Bottom 6.1% in <100M tier

2317

Efficiency Ratio

profitability

Value: 114.21%

Peer Median: 81.45%

#2317 of 2508 Bottom 7.7% in <100M tier

2301

Return on Assets (ROA)

profitability

Value: -1.02%

Peer Median: 0.61%

#2301 of 2508 Bottom 8.3% in <100M tier