BlastPoint's Credit Union Scorecard
COUNTY SCHOOLS
Charter #13495 · CA
COUNTY SCHOOLS has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.6% in tier
- + Total Loans: Top 2.5% in tier
- + Total Assets: Top 3.4% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Efficiency ratio 1.59% above tier (higher cost structure)
- - Delinquency rate 1.97% above tier average
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - Net Worth Ratio: Bottom 6.4% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
- - Loan Growth Rate: Bottom 9.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -4.8% year over year ($83.0M in shares and deposits).
- Membership: 4,642 members, -1.4% vs a year ago.
- Delinquency rate 3.52%.
- Return on assets 0.13%.
- Efficiency ratio 90.36% vs a 88.77% peer average.
- Loan-to-share ratio 69.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,642
-1.4% YoY-0.0% QoQ
|
+2.1K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$91.0M
-4.0% YoY-0.6% QoQ
|
+$60.7M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 3.5% in tier |
| Loans |
$57.9M
-16.8% YoY-3.7% QoQ
|
+$42.4M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 2.5% in tier |
| Deposits |
$83.0M
-4.8% YoY-0.7% QoQ
|
+$57.1M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 1.6% in tier |
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| ROA |
0.1%
-78.9% YoY+31.1% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.3% in tier |
| NIM |
3.0%
+20.6% YoY+1.4% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
90.4%
+31.2% YoY-0.7% QoQ
|
+1.6% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
3.5%
+1073.3% YoY+177.8% QoQ
|
+2.0 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.7% in tier |
| Loan To Share |
69.8%
-12.6% YoY-2.9% QoQ
|
+10.9% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$30,344
-8.8% YoY-1.9% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 3.9% in tier |
| CD Concentration |
29.1%
+15.0% YoY+3.1% QoQ
|
+4.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)