BlastPoint's Credit Union Scorecard
MISSION
Charter #14384 · CA
MISSION has 3 strengths but faces 7 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 32.1% in tier
- + Organic Growth Engine: Top 35.8% in tier
- + Total Delinquency Rate (60+ days): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 53.3% in tier
- - Credit Quality Pressure: Bottom 77.8% in tier
- - ROA 0.12% below tier average
- - Efficiency ratio 1.49% above tier (higher cost structure)
- - Total Assets: Bottom 3.0% in tier
- - Total Deposits: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
326,941
+3.9% YoY+1.1% QoQ
|
-119.0K |
445,922
+0.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 12.1% in tier |
| Assets |
$7.2B
+8.3% YoY+2.5% QoQ
|
$-1.8B |
$8.9B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.0% in tier |
| Loans |
$5.0B
+7.2% YoY+1.2% QoQ
|
$-1.3B |
$6.3B
+0.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.1% in tier |
| Deposits |
$6.3B
+7.7% YoY+2.6% QoQ
|
$-1.3B |
$7.5B
+1.2% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.1% in tier |
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| ROA |
0.8%
-23.9% YoY+1.7% QoQ
|
-0.1% |
1.0%
+27.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
2.4%
+3.6% YoY-0.7% QoQ
|
-0.6% |
3.0%
+12.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
66.3%
+7.8% YoY+0.1% QoQ
|
+1.5% |
64.8%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.2%
+29.4% YoY+29.8% QoQ
|
-0.5 |
0.7%
+5.5% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 3.0% in tier |
| Loan To Share |
79.9%
-0.4% YoY-1.4% QoQ
|
-3.5% |
83.4%
-0.6% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$34,424
+3.5% YoY+0.8% QoQ
|
+$158 |
$34,266
-1.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
37.9%
+0.9% YoY+5.2% QoQ
|
+8.7% | 29.1% | 21.7% | 19.8% | 81% |
| Indirect Auto % |
10.9%
+0.9% YoY+1.4% QoQ
|
-6.2% | 17.1% | 9.2% | 7.8% | 36% |
Signature Analysis
Strengths (2)
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 (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)