BlastPoint's Credit Union Scorecard
COUNTY SCHOOLS
Charter #13495 · CA
<100M
2508 CUs in <100M nationally
92 in CA
COUNTY SCHOOLS has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 1.1% in tier
- + Total Loans: Top 1.4% in tier
- + Total Assets: Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.38% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - First Mortgage Concentration (%): Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 6.8% in tier
- - AMR Growth Rate: Bottom 8.8% in tier
- - Loan Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,643
-2.6% YoY-0.8% QoQ
|
+2.0K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$91.5M
-5.2% YoY-3.3% QoQ
|
+$61.3M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 3.3% in tier |
| Loans |
$60.1M
-16.9% YoY-6.2% QoQ
|
+$44.8M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 1.4% in tier |
| Deposits |
$83.6M
-6.4% YoY-3.5% QoQ
|
+$57.8M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 1.2% in tier |
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| ROA |
0.1%
-245.5% YoY-86.1% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
2.9%
+18.7% YoY+6.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
16% |
| Efficiency Ratio |
91.0%
+13.8% YoY+24.5% QoQ
|
+0.4% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
1.3%
-57.6% YoY-56.2% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
71.9%
-11.2% YoY-2.8% QoQ
|
+13.4% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$30,942
-8.8% YoY-3.9% QoQ
|
+$16K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.8% in tier |
| CD Concentration |
28.2%
+2.8% YoY+2.8% QoQ
|
+4.0% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
29
Total Deposits
balance_sheet
Value:
$83.56M
Peer Median: $18.77M
#29 of 2508
Top 1.1% in <100M tier
36
Total Loans
balance_sheet
Value:
$60.10M
Peer Median: $9.48M
#36 of 2508
Top 1.4% in <100M tier
82
Total Assets
balance_sheet
Value:
$91.47M
Peer Median: $21.86M
#82 of 2508
Top 3.2% in <100M tier
86
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,945
Peer Median: $4,923
#86 of 2508
Top 3.4% in <100M tier
95
Average Member Relationship (AMR)
engagement
Value:
$30,942
Peer Median: $13,926
#95 of 2508
Top 3.7% in <100M tier
395
Total Members
engagement
Value:
4,643
Peer Median: 1,918
#395 of 2508
Top 15.7% in <100M tier
449
Fee Income Per Member
profitability
Value:
$127.68
Peer Median: $60.42
#449 of 2508
Top 17.9% in <100M tier
Top Weaknesses (9 metrics)
2460
First Mortgage Concentration (%)
balance_sheet
Value:
73.23%
Peer Median: 3.66%
#2460 of 2508
Bottom 2.0% in <100M tier
2338
Net Worth Ratio
risk
Value:
8.42%
Peer Median: 14.28%
#2338 of 2508
Bottom 6.8% in <100M tier
2289
AMR Growth Rate
growth
Value:
-8.78%
Peer Median: 1.27%
#2289 of 2508
Bottom 8.8% in <100M tier
2277
Loan Growth Rate
growth
Value:
-16.92%
Peer Median: -2.36%
#2277 of 2508
Bottom 9.3% in <100M tier
2175
Asset Growth Rate
growth
Value:
-5.23%
Peer Median: 1.30%
#2175 of 2508
Bottom 13.3% in <100M tier
2175
Deposit Growth Rate
growth
Value:
-6.40%
Peer Median: 0.66%
#2175 of 2508
Bottom 13.3% in <100M tier
2115
Net Interest Margin (NIM)
profitability
Value:
2.91%
Peer Median: 3.83%
#2115 of 2508
Bottom 15.7% in <100M tier
2005
Share Certificate Concentration (%)
balance_sheet
Value:
28.24%
Peer Median: 12.45%
#2005 of 2508
Bottom 20.1% in <100M tier
1925
Net Charge-Off Rate
risk
Value:
0.58%
Peer Median: 0.07%
#1925 of 2508
Bottom 23.3% in <100M tier