BlastPoint's Credit Union Scorecard
COUNTY SCHOOLS
Charter #13495 · CA
COUNTY SCHOOLS has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.10% above tier average
- + Total Deposits: Top 0.7% in tier
- + Total Loans: Top 1.2% in tier
- + Total Assets: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.0% in tier
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Fee Income Per Member: Top 5.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.34% above tier average
- - Member decline: -2.2% YoY
- - First Mortgage Concentration (%): Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,680
-2.2% YoY-0.2% QoQ
|
+2.1K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
84% |
| Assets |
$94.6M
+1.2% YoY+0.1% QoQ
|
+$64.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 2.1% in tier |
| Loans |
$64.1M
-13.1% YoY-7.8% QoQ
|
+$48.3M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 1.3% in tier |
| Deposits |
$86.6M
+0.6% YoY-0.0% QoQ
|
+$60.9M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 0.7% in tier |
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| ROA |
0.7%
-17554.7% YoY-8.3% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
2.7%
+1.2% YoY+3.6% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio |
73.1%
-13.6% YoY+3.5% QoQ
|
-9.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
2.9%
+19.8% YoY+68.8% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.5% in tier |
| Loan To Share |
74.0%
-13.6% YoY-7.8% QoQ
|
+13.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$32,204
-3.7% YoY-3.3% QoQ
|
+$17K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 3.2% in tier |
| CD Concentration |
27.5%
+0.2% YoY-3.3% QoQ
|
+3.0% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-69.4% YoY-9.1% QoQ
|
-13.8% | 13.8% | 9.2% | 7.8% | 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)