BlastPoint's Credit Union Scorecard
INLAND
Charter #14016 · CA
INLAND has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency ratio 18.40% above tier (higher cost structure)
- - Delinquency rate 0.70% above tier average
- - Member decline: -4.8% YoY
- - Net Worth Ratio: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,243
-4.8% YoY-2.3% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$14.5M
-4.2% YoY-4.8% QoQ
|
$-15.6M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$7.6M
-13.3% YoY-2.0% QoQ
|
$-8.1M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$13.3M
-6.1% YoY-5.2% QoQ
|
$-12.4M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
42% |
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 |
-0.0%
-120.4% YoY-180.8% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
3.7%
+0.7% YoY-0.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
101.0%
+13.4% YoY+1.4% QoQ
|
+18.4% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
2.3%
-23.0% YoY-17.2% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
57.4%
-7.6% YoY+3.4% QoQ
|
-3.2% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$16,812
-4.2% YoY-1.8% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
13.9%
-18.1% YoY+2.4% QoQ
|
-10.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -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)