BlastPoint's Credit Union Scorecard
CORRECTIONS
Charter #13254 · CA
CORRECTIONS has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.52% above tier average
- + Strong member growth: 34.1% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Member Growth Rate: Top 0.9% in tier
- + Loan Growth Rate: Top 4.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 10.58% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,610
+34.1% YoY+0.8% QoQ
|
+994 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$33.9M
+36.3% YoY-2.9% QoQ
|
+$3.8M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
64% |
| Loans |
$25.3M
+17.9% YoY+1.5% QoQ
|
+$9.6M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$30.5M
+39.6% YoY-3.4% QoQ
|
+$4.8M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.2%
-64.0% YoY+39.5% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
5.5%
-4.6% YoY+0.9% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 7.5% in tier |
| Efficiency Ratio |
93.1%
+5.1% YoY+0.2% QoQ
|
+10.6% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.3%
+126.7% YoY+28.3% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
83.0%
-15.5% YoY+5.0% QoQ
|
+22.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$15,460
-3.9% YoY-2.0% QoQ
|
+$677 |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
15.2%
+0.3% YoY-15.7% QoQ
|
-9.2% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
37.4%
-13.3% YoY-1.6% QoQ
|
+23.6% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)