BlastPoint's Credit Union Scorecard
SONOMA
Charter #14415 · CA
SONOMA has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.89% 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 1.8% in tier
- + Total Loans: Top 3.8% in tier
- + Total Deposits: Top 6.7% in tier
- + Total Assets: Top 7.5% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Members Per Employee (MPE): Bottom 9.0% in tier
- - Share Certificate Concentration (%): 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 |
1,798
+0.7% YoY-0.7% QoQ
|
-817 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$80.6M
+6.3% YoY-0.8% QoQ
|
+$50.4M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 7.5% in tier |
| Loans |
$54.3M
+5.0% YoY-1.5% QoQ
|
+$38.5M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 3.9% in tier |
| Deposits |
$70.3M
+5.3% YoY-1.3% QoQ
|
+$44.6M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 6.7% in tier |
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| ROA |
1.5%
+6.7% YoY+5.5% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
3.0%
+10.2% YoY+3.2% QoQ
|
-0.9% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
59.4%
-2.9% YoY-2.0% QoQ
|
-23.2% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate |
0.9%
+274.2% YoY+27.6% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
77.2%
-0.3% YoY-0.1% QoQ
|
+16.6% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$69,290
+4.5% YoY-0.7% QoQ
|
+$55K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 0.1% in tier |
| CD Concentration |
38.0%
-7.3% YoY+1.9% QoQ
|
+13.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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)