BlastPoint's Credit Union Scorecard

DIABLO VALLEY

Charter #14409 · CA

<100M

2508 CUs in <100M nationally 92 in CA

DIABLO VALLEY has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Average Member Relationship (AMR): Top 9.1% in tier

Key Concerns

Areas that may need attention

- ROA 0.21% below tier average
- Efficiency ratio 14.16% above tier (higher cost structure)
- Member decline: -4.1% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	2,205 -4.1% YoY-1.2% QoQ	-471	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	56%
Assets	$40.1M -1.0% YoY+1.3% QoQ	+$9.9M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	69%
Loans	$18.5M -9.7% YoY-9.2% QoQ	+$3.2M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	68%
Deposits	$35.8M -1.2% YoY+1.7% QoQ	+$10.0M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1% -184.1% YoY-133.3% QoQ	-0.2%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	20%
NIM	3.5% -3.8% YoY-7.5% QoQ	-0.5%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	36%
Efficiency Ratio	104.8% +8.8% YoY+10.6% QoQ	+14.2%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 12.7% in tier
Delinquency Rate	0.0% -48.8% YoY-12.8% QoQ	-1.5	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	17%
Loan To Share	51.6% -8.6% YoY-10.6% QoQ	-6.9%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	39%
AMR	$24,583 -0.2% YoY-1.1% QoQ	+$10K	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Top 9.1% in tier
CD Concentration	13.2% -6.4% YoY+4.0% QoQ	-11.1%	24.3%	21.6%	19.8%	50%
Indirect Auto %	2.3% -17.0% YoY+9.8% QoQ	-11.5%	13.8%	9.0%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (3 metrics)

228

Average Member Relationship (AMR)

engagement

Value: $24,583

Peer Median: $13,926

#228 of 2508 Top 9.1% in <100M tier

379

Loan-to-Member Ratio (LMR)

engagement

Value: $8,370

Peer Median: $4,923

#379 of 2508 Top 15.1% in <100M tier

419

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.65%

#419 of 2508 Top 16.7% in <100M tier

Top Weaknesses (7 metrics)

2195

Indirect Auto Concentration (%)

balance_sheet

Value: 2.34%

Peer Median: 0.00%

#2195 of 2508 Bottom 12.5% in <100M tier

2190

Efficiency Ratio

profitability

Value: 104.79%

Peer Median: 81.45%

#2190 of 2508 Bottom 12.7% in <100M tier

2189

First Mortgage Concentration (%)

balance_sheet

Value: 41.01%

Peer Median: 3.66%

#2189 of 2508 Bottom 12.8% in <100M tier

2016

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: 0.61%

#2016 of 2508 Bottom 19.7% in <100M tier

1949

Member Growth Rate

growth

Value: -4.09%

Peer Median: -1.37%

#1949 of 2508 Bottom 22.3% in <100M tier

1924

Net Worth Ratio

risk

Value: 10.84%

Peer Median: 14.28%

#1924 of 2508 Bottom 23.3% in <100M tier

1920

Loan Growth Rate

growth

Value: -9.68%

Peer Median: -2.36%

#1920 of 2508 Bottom 23.5% in <100M tier