BlastPoint's Credit Union Scorecard
MISSION
Charter #14384 · CA
MISSION has 7 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
- + Credit Quality Leader: Top 6.7% in tier
- + Organic Growth Leader: Top 15.7% in tier
- + Organic Growth Engine: Top 16.2% in tier
- + ROA 0.03% above tier average
- + Total Assets: Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 2.9% in tier
- + Total Deposits: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 0.0% in tier
- - Margin Compression: Bottom 14.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
323,250
+3.7% YoY+1.3% QoQ
|
+33.5K |
289,724
-2.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$7.0B
+6.0% YoY+1.6% QoQ
|
+$1.2B |
$5.8B
+0.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 2.9% in tier |
| Loans |
$4.9B
+7.7% YoY+2.2% QoQ
|
+$856.8M |
$4.1B
-3.1% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
79% |
| Deposits |
$6.1B
+5.8% YoY+1.6% QoQ
|
+$1.2B |
$4.9B
+2.2% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 5.9% in tier |
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| ROA |
0.8%
-30.3% YoY-1.5% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
2.4%
+4.5% YoY+0.5% QoQ
|
-0.5% |
2.9%
+3.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.7% in tier |
| Efficiency Ratio |
66.2%
+10.4% YoY-0.0% QoQ
|
-1.9% |
68.1%
-1.7% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.2%
-9.3% YoY-27.7% QoQ
|
-0.5 |
0.6%
-2.2% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
81.0%
+1.8% YoY+0.6% QoQ
|
-2.6% |
83.6%
-5.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
32% |
| AMR |
$34,146
+2.8% YoY+0.5% QoQ
|
$-252 |
$34,398
+4.0% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration |
36.0%
-5.5% YoY+3.4% QoQ
|
+7.1% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
75% |
| Indirect Auto % |
10.7%
-1.0% YoY+1.5% QoQ
|
-5.9% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
36% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)