BlastPoint's Credit Union Scorecard

CORRECTIONS

Charter #13254 · CA

<100M

2437 CUs in <100M nationally 85 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 1.29% above tier average

Key Concerns

Areas that may need attention

- ROA 1.14% below tier average
- Efficiency ratio 16.49% above tier (higher cost structure)
- Indirect Auto Concentration (%): Bottom 2.6% in tier
- Net Worth Ratio: Bottom 6.6% in tier

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	3,623 +1.3% YoY+0.1% QoQ	+1.0K	2,585 -1.7% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	76%
Assets	$36.1M +5.6% YoY-0.9% QoQ	+$5.8M	$30.3M +1.5% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	65%
Loans	$25.2M -1.2% YoY+0.6% QoQ	+$9.8M	$15.5M -1.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	78%
Deposits	$32.8M +6.9% YoY-1.5% QoQ	+$7.0M	$25.8M +1.1% YoY	$1.2B +11.1% YoY	$504.8M +10.3% 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	0.4% +97.5% YoY-134.8% QoQ	-1.1%	1.5% +241.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	22%
NIM	5.2% -4.2% YoY+3.8% QoQ	+1.3%	3.9% +0.9% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Top 9.2% in tier
Efficiency Ratio	105.3% +13.7% YoY-7.8% QoQ	+16.5%	88.8% -6.9% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 10.3% in tier
Delinquency Rate	0.1% -67.6% YoY-86.7% QoQ	-1.5	1.5% +2.1% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	18%
Loan To Share	76.9% -7.6% YoY+2.1% QoQ	+18.0%	58.9% -3.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	76%
AMR	$16,005 +2.0% YoY-0.7% QoQ	+$1K	$14,963 -6.8% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	60%
CD Concentration	15.6% -9.5% YoY-3.1% QoQ	-9.0%	24.6%	22.2%	20.0%	50%
Indirect Auto %	37.7% +0.4% YoY+0.6% QoQ	+24.1%	13.6%	9.2%	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 2437 peers in tier

Top Strengths (9 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.59%

#1 of 2437 Top 0.1% in <100M tier

224

Net Interest Margin (NIM)

profitability

Value: 5.19%

Peer Median: 3.87%

#224 of 2437 Top 9.2% in <100M tier

393

Deposit Growth Rate

growth

Value: 6.95%

Peer Median: 0.92%

#393 of 2437 Top 16.1% in <100M tier

432

Total Delinquency Rate (60+ days)

risk

Value: 0.07%

Peer Median: 0.70%

#432 of 2437 Top 17.7% in <100M tier

497

Member Growth Rate

growth

Value: 1.26%

Peer Median: -1.37%

#497 of 2437 Top 20.4% in <100M tier

532

Asset Growth Rate

growth

Value: 5.61%

Peer Median: 1.25%

#532 of 2437 Top 21.8% in <100M tier

545

Total Loans

balance_sheet

Value: $25.21M

Peer Median: $9.49M

#545 of 2437 Top 22.3% in <100M tier

570

Loan-to-Share Ratio

balance_sheet

Value: 76.92%

Peer Median: 58.67%

#570 of 2437 Top 23.3% in <100M tier

598

Total Members

engagement

Value: 3,623

Peer Median: 1,902

#598 of 2437 Top 24.5% in <100M tier

Top Weaknesses (4 metrics)

2374

Indirect Auto Concentration (%)

balance_sheet

Value: 37.72%

Peer Median: 0.00%

#2374 of 2437 Bottom 2.6% in <100M tier

2278

Net Worth Ratio

risk

Value: 8.54%

Peer Median: 14.28%

#2278 of 2437 Bottom 6.6% in <100M tier

2188

Efficiency Ratio

profitability

Value: 105.25%

Peer Median: 80.65%

#2188 of 2437 Bottom 10.3% in <100M tier

1905

Return on Assets (ROA)

profitability

Value: 0.36%

Peer Median: 0.81%

#1905 of 2437 Bottom 21.9% in <100M tier