BlastPoint's Credit Union Scorecard
CORRECTIONS
Charter #13254 · CA
2596 CUs in <100M nationally
92 in CA
CORRECTIONS has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.49% above tier average
- + Strong member growth: 33.1% 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 1.0% in tier
- + Loan Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 11.60% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 3.1% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,581
+33.1% YoY+0.1% QoQ
|
+955 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$34.9M
+36.7% YoY+2.2% QoQ
|
+$5.1M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$24.9M
+17.4% YoY-2.2% QoQ
|
+$9.2M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$31.6M
+37.9% YoY+3.0% QoQ
|
+$6.1M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
67% |
| ROA |
0.2%
-64.8% YoY-13.4% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
22% |
| NIM |
5.4%
-3.9% YoY+0.2% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 8.0% in tier |
| Efficiency Ratio |
93.0%
+2.5% YoY+0.4% QoQ
|
+11.6% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.2%
+64.9% YoY+12.5% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
29% |
| Loan To Share |
79.0%
-14.9% YoY-5.1% QoQ
|
+17.8% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$15,777
-3.8% YoY+0.5% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
18.1%
+32.8% YoY+5.2% QoQ
|
-6.3% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
38.0%
-9.1% YoY+1.2% QoQ
|
+24.1% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (8 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
16
Asset Growth Rate
growth
Value:
36.71%
Peer Avg: 1.82%
#16 of 2596
Top 0.6% in <100M tier
17
Deposit Growth Rate
growth
Value:
37.94%
Peer Avg: 16.80%
#17 of 2596
Top 0.6% in <100M tier
28
Member Growth Rate
growth
Value:
33.12%
Peer Avg: 14.92%
#28 of 2596
Top 1.0% in <100M tier
113
Loan Growth Rate
growth
Value:
17.41%
Peer Avg: 59.01%
#113 of 2596
Top 4.3% in <100M tier
207
Net Interest Margin (NIM)
profitability
Value:
5.43%
Peer Avg: 3.93%
#207 of 2596
Top 7.9% in <100M tier
599
Total Loans
balance_sheet
Value:
$24.94M
Peer Avg: $15.77M
#599 of 2596
Top 23.0% in <100M tier
617
Loan-to-Share Ratio
balance_sheet
Value:
79.05%
Peer Avg: 61.23%
#617 of 2596
Top 23.7% in <100M tier
Top Weaknesses (5 metrics)
2517
Indirect Auto Concentration (%)
balance_sheet
Value:
38.03%
Peer Avg: 2.84%
#2517 of 2596
Bottom 3.1% in <100M tier
2362
Net Worth Ratio
risk
Value:
8.92%
Peer Avg: 16.43%
#2362 of 2596
Bottom 9.1% in <100M tier
2108
Efficiency Ratio
profitability
Value:
92.99%
Peer Avg: 81.39%
#2108 of 2596
Bottom 18.8% in <100M tier
2044
AMR Growth Rate
growth
Value:
-3.81%
Peer Avg: 4.67%
#2044 of 2596
Bottom 21.3% in <100M tier
2027
Return on Assets (ROA)
profitability
Value:
0.16%
Peer Avg: 0.68%
#2027 of 2596
Bottom 22.0% in <100M tier