BlastPoint's Credit Union Scorecard
VIDA
Charter #14542 · CA
VIDA has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.1% in tier
- + Total Delinquency Rate (60+ days): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 2.2% in tier
- - Margin Compression: Bottom 27.0% in tier
- - Efficiency ratio 1.22% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,117
+0.1% YoY+0.2% QoQ
|
-5.3K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$170.5M
+2.8% YoY+2.1% QoQ
|
$-61.3M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$84.0M
-0.8% YoY+1.6% QoQ
|
$-63.3M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
25% |
| Deposits |
$146.6M
+2.1% YoY+2.5% QoQ
|
$-54.2M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
1.0%
-58.8% YoY-14.3% QoQ
|
+0.2% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
65% |
| NIM |
3.5%
+4.0% YoY+0.4% QoQ
|
-0.1% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
78.2%
+47.3% YoY-0.2% QoQ
|
+1.2% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.2%
-20.4% YoY+46.2% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
57.3%
-2.8% YoY-0.9% QoQ
|
-14.9% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$22,798
+0.9% YoY+2.0% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
24.2%
+7.8% YoY-0.3% QoQ
|
-0.2% | 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 (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)