BlastPoint's Credit Union Scorecard
EMPLOYEES CHOICE
Charter #13526 · CA
EMPLOYEES CHOICE demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.75% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Average Member Relationship (AMR): Top 6.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,068
+0.1% YoY+0.4% QoQ
|
-1.6K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$23.0M
-1.8% YoY-1.9% QoQ
|
$-7.2M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$8.7M
-4.3% YoY-0.4% QoQ
|
$-6.6M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
48% |
| Deposits |
$20.2M
-3.2% YoY-1.8% QoQ
|
$-5.6M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.9%
+14.1% YoY-13.0% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
64% |
| NIM |
3.3%
+11.4% YoY+5.5% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
76.7%
-0.6% YoY+7.2% QoQ
|
-13.9% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
43.0%
-1.1% YoY+1.4% QoQ
|
-15.6% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
26% |
| AMR |
$27,025
-3.6% YoY-1.7% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 6.1% in tier |
| CD Concentration |
15.5%
+22.2% YoY+6.0% QoQ
|
-8.8% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)