BlastPoint's Credit Union Scorecard

STANFORD

Charter #13392 · CA

Mid-Market 3B-5B
78 CUs in 3B-5B nationally 11 in CA
View Mid-Market leaderboard →

STANFORD has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 36.6% in tier
  • + Organic Growth Leader: Top 36.6% in tier
  • + Relationship Depth Leader: Top 52.1% in tier
  • + ROA 0.21% above tier average
  • + Average Member Relationship (AMR): Top 0.1% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.1% in tier
  • + Total Delinquency Rate (60+ days): Top 1.3% in tier
  • + Net Charge-Off Rate: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 28.5% in tier
  • - Credit Quality Pressure: Bottom 50.5% in tier
  • - Credit Risk Growth: Bottom 66.3% in tier
  • - First Mortgage Concentration (%): Bottom 2.6% in tier
  • - Total Members: Bottom 3.8% in tier
  • - Share Certificate Concentration (%): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 95,462
+3.3% YoY+0.7% QoQ
 -125.0K 220,435
-7.6% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 Bottom 2.6% in tier
Assets $4.8B
+9.2% YoY+3.0% QoQ
 +$884.9M $3.9B
-1.5% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 Top 7.7% in tier
Loans $3.4B
+3.0% YoY-0.1% QoQ
 +$547.9M $2.9B
-1.1% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 82%
Deposits $3.7B
+9.6% YoY+2.4% QoQ
 +$411.1M $3.3B
-2.5% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 78%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+14.3% YoY+2.3% QoQ
 +0.2% 0.7%
+10.6% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 63%
NIM 2.4%
+0.4% YoY-0.0% QoQ
 -0.8% 3.2%
+4.6% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 Bottom 11.5% in tier
Efficiency Ratio 59.9%
-5.6% YoY-0.0% QoQ
 -11.4% 71.3%
-2.6% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 Top 7.7% in tier
Delinquency Rate 0.2%
+29.0% YoY-28.2% QoQ
 -0.6 0.7%
+9.2% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 Top 1.3% in tier
Loan To Share 92.8%
-6.1% YoY-2.5% QoQ
 +4.8% 88.0%
+0.9% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 59%
AMR $74,898
+2.9% YoY+0.4% QoQ
 +$44K $30,672
+5.5% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 Top 1.3% in tier
CD Concentration 45.5%
+8.7% YoY+3.2% QoQ
 +16.7% 28.8% 21.6% 19.8% Top 5.2% in tier
Indirect Auto % 1.4%
-22.5% YoY-3.9% QoQ
 -16.7% 18.1% 9.0% 7.7% 19%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#36 of 115 • Top 36.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.29%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.94%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 1.37%
(Tier: 18.07%, National: 7.73%)
better than tier avg
115 of 384 Mid-Market CUs have this signature | 499 nationally
→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth
#59 of 116 • Top 36.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.29%
(Tier: 3.50%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 1.37%
(Tier: 18.07%, National: 7.73%)
better than tier avg
116 of 384 Mid-Market CUs have this signature | 518 nationally
→ No prior data (116 CUs now) | New qualifier

Relationship Depth Leader

growth
#56 of 64 • Top 52.1% 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): 2.93%
(Tier: 3.34%, National: 6.36%)
but worse than tier avg
Share Draft per Member: $10.3K
(Tier: $3.3K, National: $2.1K)
better than tier avg
64 of 384 Mid-Market CUs have this signature | 342 nationally
↑ Growing +9 CUs YoY | New qualifier

Concerns (3)

Liquidity Strain

risk
#121 of 148 • Bottom 28.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.77%
(Tier: 84.20%, National: 65.58%)
but better than tier avg
Loan Growth (YoY): 2.95%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
148 of 384 Mid-Market CUs have this signature | 367 nationally
→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#192 of 225 • Bottom 50.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
225 of 384 Mid-Market CUs have this signature | 1013 nationally
→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk
#171 of 183 • Bottom 66.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.95%
(Tier: 6.71%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.03% points
(Tier: 0.06% points, National: 0.12% points)
but better than tier avg
183 of 384 Mid-Market CUs have this signature | 710 nationally
→ No prior data (183 CUs now) | New qualifier

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)

Comparing against 78 peers in tier

Top Strengths (10 metrics)

1
Average Member Relationship (AMR)
engagement
Value: $74,898
Peer Median: $28,813
#1 of 78 Top 0.1% in 3B-5B tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $36,045
Peer Median: $13,137
#1 of 78 Top 0.1% in 3B-5B tier
2
Total Delinquency Rate (60+ days)
risk
Value: 0.15%
Peer Median: 0.54%
#2 of 78 Top 1.3% in 3B-5B tier
5
Net Charge-Off Rate
risk
Value: 0.11%
Peer Median: 0.46%
#5 of 78 Top 5.1% in 3B-5B tier
6
Total Assets
balance_sheet
Value: $4.80B
Peer Median: $3.94B
#6 of 78 Top 6.4% in 3B-5B tier
7
Efficiency Ratio
profitability
Value: 59.87%
Peer Median: 69.26%
#7 of 78 Top 7.7% in 3B-5B tier
11
Indirect Auto Concentration (%)
balance_sheet
Value: 1.37%
Peer Median: 18.10%
#11 of 78 Top 12.8% in 3B-5B tier
14
Total Loans
balance_sheet
Value: $3.44B
Peer Median: $2.92B
#14 of 78 Top 16.7% in 3B-5B tier
17
Deposit Growth Rate
growth
Value: 9.62%
Peer Median: 5.31%
#17 of 78 Top 20.5% in 3B-5B tier
17
Total Deposits
balance_sheet
Value: $3.71B
Peer Median: $3.34B
#17 of 78 Top 20.5% in 3B-5B tier

Top Weaknesses (5 metrics)

77
First Mortgage Concentration (%)
balance_sheet
Value: 68.78%
Peer Median: 32.80%
#77 of 78 Bottom 2.6% in 3B-5B tier
76
Total Members
engagement
Value: 95,462
Peer Median: 212,824
#76 of 78 Bottom 3.8% in 3B-5B tier
72
Share Certificate Concentration (%)
balance_sheet
Value: 45.51%
Peer Median: 31.76%
#72 of 78 Bottom 9.0% in 3B-5B tier
71
Fee Income Per Member
profitability
Value: $86.25
Peer Median: $175.66
#71 of 78 Bottom 10.3% in 3B-5B tier
69
Net Interest Margin (NIM)
profitability
Value: 2.42%
Peer Median: 3.23%
#69 of 78 Bottom 12.8% in 3B-5B tier
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