BlastPoint's Credit Union Scorecard

ESCONDIDO

Charter #13402 · CA

<100M

2556 CUs in <100M nationally 91 in CA

ESCONDIDO demonstrates 3 strengths

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.79% above tier average
+ Average Member Relationship (AMR): Top 1.4% in tier
+ Loan-to-Member Ratio (LMR): Top 6.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	2,082 +0.2% YoY+0.6% QoQ	-533	2,615 -1.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	52%
Assets	$65.4M +7.3% YoY+1.7% QoQ	+$35.2M	$30.1M +2.1% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 14.5% in tier
Loans	$22.5M +0.7% YoY-0.4% QoQ	+$6.7M	$15.8M -1.3% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	74%
Deposits	$56.4M +6.9% YoY+1.5% QoQ	+$30.7M	$25.7M +1.4% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Top 14.4% in tier

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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	1.4% -3.5% YoY-0.0% QoQ	+0.8%	0.6% +10.8% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	82%
NIM	3.4% +0.1% YoY-0.2% QoQ	-0.6%	4.0% +4.0% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	62.1% +2.8% YoY+1.7% QoQ	-20.5%	82.6% -2.3% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 13.8% in tier
Delinquency Rate	0.0%	-1.5	1.6% -3.1% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 12.4% in tier
Loan To Share	39.8% -5.8% YoY-1.9% QoQ	-20.8%	60.6% -3.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	19%
AMR	$37,872 +4.9% YoY+0.4% QoQ	+$23K	$14,783 -1.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 1.5% in tier
CD Concentration	18.4% +12.3% YoY-1.7% QoQ	-6.0%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	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 2556 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

Average Member Relationship (AMR)

engagement

Value: $37,872

Peer Median: -

#38 of 2556 Top 1.4% in <100M tier

165

Loan-to-Member Ratio (LMR)

engagement

Value: $10,790

Peer Median: -

#165 of 2556 Top 6.4% in <100M tier

319

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Median: -

#319 of 2556 Top 12.4% in <100M tier

354

Efficiency Ratio

profitability

Value: 62.09%

Peer Median: -

#354 of 2556 Top 13.8% in <100M tier

368

Total Deposits

balance_sheet

Value: $56.38M

Peer Median: -

#368 of 2556 Top 14.4% in <100M tier

370

Total Assets

balance_sheet

Value: $65.35M

Peer Median: -

#370 of 2556 Top 14.4% in <100M tier

398

Asset Growth Rate

growth

Value: 7.34%

Peer Median: -

#398 of 2556 Top 15.5% in <100M tier

438

Deposit Growth Rate

growth

Value: 6.89%

Peer Median: -

#438 of 2556 Top 17.1% in <100M tier

468

Return on Assets (ROA)

profitability

Value: 1.41%

Peer Median: -

#468 of 2556 Top 18.3% in <100M tier

Top Weaknesses (2 metrics)

2062

Loan-to-Share Ratio

balance_sheet

Value: 39.84%

Peer Median: -

#2062 of 2556 Bottom 19.4% in <100M tier

2002

Members Per Employee (MPE)

engagement

Value: 231.333

Peer Median: -

#2002 of 2556 Bottom 21.7% in <100M tier