BlastPoint's Credit Union Scorecard
STANFORD
Charter #13392 · CA
STANFORD has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.2% in tier
- + Organic Growth Leader: Top 48.2% in tier
- + Relationship Depth Leader: Top 82.8% in tier
- + ROA 0.21% above tier average
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 2.6% in tier
- + Net Charge-Off Rate: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 65.5% in tier
- - Credit Quality Pressure: Bottom 86.2% in tier
- - Credit Risk Growth: Bottom 92.0% in tier
- - Fee Income Per Member: Bottom 2.6% in tier
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Total Members: Bottom 2.6% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,752
+3.8% YoY-0.6% QoQ
|
-135.6K |
230,353
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 1.3% in tier |
| Assets |
$4.7B
+7.6% YoY+2.5% QoQ
|
+$721.0M |
$3.9B
+0.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 13.2% in tier |
| Loans |
$3.4B
+3.9% YoY+0.3% QoQ
|
+$509.8M |
$2.9B
-0.2% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$3.6B
+9.9% YoY+6.0% QoQ
|
+$309.6M |
$3.3B
-0.3% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.9%
+9.0% YoY-2.3% QoQ
|
+0.2% |
0.7%
+16.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
60% |
| NIM |
2.4%
+9.0% YoY-3.1% QoQ
|
-0.7% |
3.1%
+9.8% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
59.9%
-0.0% YoY-0.5% QoQ
|
-11.5% |
71.4%
-1.4% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.8% in tier |
| Delinquency Rate |
0.2%
+27.2% YoY+84.3% QoQ
|
-0.7 |
0.9%
+5.8% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 2.6% in tier |
| Loan To Share |
95.2%
-5.5% YoY-5.3% QoQ
|
+6.2% |
88.9%
-0.2% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$74,567
+3.0% YoY+3.8% QoQ
|
+$45K |
$29,682
+1.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.3% in tier |
| CD Concentration |
44.1%
+0.6% YoY-2.7% QoQ
|
+15.1% | 29.0% | 21.7% | 19.8% | Top 5.9% in tier |
| Indirect Auto % |
1.4%
-24.1% YoY-6.9% QoQ
|
-16.9% | 18.3% | 9.2% | 7.8% | 19% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)