BlastPoint's Credit Union Scorecard
SONOMA
Charter #14415 · CA
SONOMA has 7 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.2% in tier
- + Fee Income Per Member: Top 1.6% in tier
- + Total Loans: Top 2.9% in tier
- + Total Deposits: Top 7.3% in tier
- + Total Assets: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 8.5% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -3.5% year over year ($69.0M in shares and deposits).
- Membership: 1,792 members, -1.1% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 1.66%.
- Efficiency ratio 58.41% vs a 88.77% peer average.
- Loan-to-share ratio 82.18% vs a 58.89% 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 |
1,792
-1.1% YoY+0.1% QoQ
|
-793 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$80.0M
-1.4% YoY-0.2% QoQ
|
+$49.7M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 7.7% in tier |
| Loans |
$56.7M
+9.9% YoY+2.9% QoQ
|
+$41.2M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 2.9% in tier |
| Deposits |
$69.0M
-3.5% YoY-0.8% QoQ
|
+$43.2M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 7.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.7%
+18.3% YoY+6.3% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.4%
+14.6% YoY+4.2% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
58.4%
-4.6% YoY-2.3% QoQ
|
-30.4% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 10.5% in tier |
| Delinquency Rate |
0.6%
+80.2% YoY-18.7% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
47% |
| Loan To Share |
82.2%
+13.8% YoY+3.7% QoQ
|
+23.3% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$70,127
+3.3% YoY+0.8% QoQ
|
+$55K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 0.1% in tier |
| CD Concentration |
39.1%
+2.2% YoY+0.3% QoQ
|
+14.5% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)