BlastPoint's Credit Union Scorecard
INLAND
Charter #14016 ยท CA
2596 CUs in <100M nationally
92 in 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 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.64% below tier average
- - Efficiency ratio 18.21% above tier (higher cost structure)
- - Delinquency rate 1.21% above tier average
- - Member decline: -6.4% YoY
- - Net Worth Ratio: Bottom 4.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,272
-6.4% YoY-0.8% QoQ
|
-1.4K |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
35% |
| Assets |
$15.3M
-2.2% YoY+1.5% QoQ
|
$-14.6M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
42% |
| Loans |
$7.8M
-13.9% YoY-5.2% QoQ
|
$-8.0M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$14.0M
-2.3% YoY+1.6% QoQ
|
$-11.4M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
44% |
| ROA |
0.0%
-91.6% YoY-53.9% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
3.8%
-0.3% YoY+3.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
44% |
| Efficiency Ratio |
99.6%
+15.2% YoY+0.9% QoQ
|
+18.2% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
2.7%
+168.2% YoY-11.6% QoQ
|
+1.2 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Top 13.8% in tier |
| Loan To Share |
55.5%
-11.8% YoY-6.6% QoQ
|
-5.8% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$17,125
-0.4% YoY-0.2% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
13.5%
-21.3% YoY-1.5% QoQ
|
-10.9% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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 (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
504
Fee Income Per Member
profitability
Value:
$133.33
Peer Avg: $182.96
#504 of 2596
Top 19.4% in <100M tier
Top Weaknesses (7 metrics)
2482
Net Worth Ratio
risk
Value:
7.99%
Peer Avg: 16.43%
#2482 of 2596
Bottom 4.4% in <100M tier
2303
First Mortgage Concentration (%)
balance_sheet
Value:
42.77%
Peer Avg: 14.49%
#2303 of 2596
Bottom 11.3% in <100M tier
2299
Efficiency Ratio
profitability
Value:
99.60%
Peer Avg: 81.39%
#2299 of 2596
Bottom 11.5% in <100M tier
2298
Member Growth Rate
growth
Value:
-6.40%
Peer Avg: 14.92%
#2298 of 2596
Bottom 11.5% in <100M tier
2263
Loan Growth Rate
growth
Value:
-13.90%
Peer Avg: 59.01%
#2263 of 2596
Bottom 12.9% in <100M tier
2240
Total Delinquency Rate (60+ days)
risk
Value:
2.72%
Peer Avg: 1.51%
#2240 of 2596
Bottom 13.8% in <100M tier
2138
Return on Assets (ROA)
profitability
Value:
0.04%
Peer Avg: 0.68%
#2138 of 2596
Bottom 17.7% in <100M tier