BlastPoint's Credit Union Scorecard
STANFORD
Charter #13392 · CA
STANFORD has 9 strengths but faces 5 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 4.1% in tier
- + Credit Quality Leader: Top 7.5% in tier
- + Organic Growth Leader: Top 11.7% in tier
- + ROA 0.20% above tier average
- + Strong member growth: 5.2% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 12.6% 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-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95,345
+5.2% YoY+2.1% QoQ
|
-143.1K |
238,465
+0.6% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 1.3% in tier |
| Assets |
$4.5B
+5.4% YoY+5.5% QoQ
|
+$577.7M |
$4.0B
-0.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$3.4B
+5.3% YoY+0.7% QoQ
|
+$414.7M |
$3.0B
+3.3% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$3.4B
+4.2% YoY+4.1% QoQ
|
+$83.1M |
$3.3B
+1.1% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
0.9%
+10.1% YoY+1.2% QoQ
|
+0.2% |
0.7%
+5.3% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
2.5%
+11.6% YoY+0.2% QoQ
|
-0.7% |
3.2%
+13.7% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.2% in tier |
| Efficiency Ratio |
60.2%
+0.7% YoY-0.6% QoQ
|
-11.1% |
71.3%
-0.6% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
0.1%
-33.2% YoY+13.5% QoQ
|
-0.7 |
0.8%
+15.9% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
100.5%
+1.1% YoY-3.2% QoQ
|
+9.7% |
90.8%
+2.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
76% |
| AMR |
$71,844
-0.4% YoY+0.2% QoQ
|
+$43K |
$29,088
+0.1% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 1.3% in tier |
| CD Concentration |
45.3%
-0.2% YoY+4.0% QoQ
|
+16.3% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Top 5.5% in tier |
| Indirect Auto % |
1.5%
-24.7% YoY-6.0% QoQ
|
-17.2% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
19% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)