BlastPoint's Credit Union Scorecard
MISSION
Charter #14384 · CA
MISSION has 4 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 32.8% in tier
- + Organic Growth Engine: Top 32.8% in tier
- + ROA 0.13% above tier average
- + Total Delinquency Rate (60+ days): Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 7.1% in tier
- - Total Deposits: Bottom 7.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 28 credit unions with $7B-$10B in assets nationally, and 1 of 5 that size in California.
- Shares and deposits +5.8% year over year ($6.35B in shares and deposits).
- Membership: 331,664 members, +4.0% vs a year ago.
- Delinquency rate 0.15%.
- Return on assets 1.16%.
- Efficiency ratio 61.34% vs a 66.07% peer average.
- Loan-to-share ratio 81.33% vs a 81.29% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
331,664
+4.0% YoY+0.2% QoQ
|
-107.2K |
438,885
-1.1% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$7.3B
+6.1% YoY+0.8% QoQ
|
$-1.6B |
$8.9B
+0.0% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.6% in tier |
| Loans |
$5.2B
+6.8% YoY+2.5% QoQ
|
$-1.1B |
$6.2B
-0.6% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$6.3B
+5.8% YoY+0.5% QoQ
|
$-1.3B |
$7.7B
+2.7% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.6% in tier |
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| ROA |
1.2%
+37.2% YoY+34.8% QoQ
|
+0.1% |
1.0%
+4.7% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
2.5%
+5.1% YoY+3.4% QoQ
|
-0.5% |
3.1%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 14.3% in tier |
| Efficiency Ratio |
61.3%
-7.4% YoY-8.3% QoQ
|
-4.7% |
66.1%
+1.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.1%
-29.9% YoY-0.8% QoQ
|
-0.6 |
0.8%
+23.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 3.6% in tier |
| Loan To Share |
81.3%
+1.0% YoY+2.0% QoQ
|
+0.0% |
81.3%
-3.8% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$34,715
+2.2% YoY+1.2% QoQ
|
$-3K |
$37,279
+8.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
40.0%
+14.8% YoY+9.8% QoQ
|
+11.6% | 28.3% | 22.2% | 20.0% | Top 13.6% in tier |
| Indirect Auto % |
11.1%
+4.8% YoY+1.5% QoQ
|
-5.7% | 16.8% | 9.2% | 7.7% | 38% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)