BlastPoint's Credit Union Scorecard
VIDA
Charter #14542 · CA
VIDA has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 6.3% in tier
- + Organic Growth Leader: Top 13.7% in tier
- + Credit Quality Leader: Top 20.1% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.33% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.5% in tier
- + Total Delinquency Rate (60+ days): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1.7% in tier
- - Margin Compression: Bottom 8.1% in tier
- - Shrinking Wallet Share: Bottom 11.2% in tier
- - Efficiency ratio 1.15% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,101
+2.9% YoY-0.8% QoQ
|
-5.5K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
31% |
| Assets |
$167.1M
+0.7% YoY-1.9% QoQ
|
$-64.2M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$82.7M
-0.9% YoY-1.1% QoQ
|
$-65.1M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$143.1M
+0.1% YoY-2.2% QoQ
|
$-57.2M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
1.1%
-38.0% YoY-18.8% QoQ
|
+0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
73% |
| NIM |
3.5%
+5.3% YoY+2.4% QoQ
|
-0.1% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
45% |
| Efficiency Ratio |
78.4%
+35.2% YoY+4.9% QoQ
|
+1.1% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
55% |
| Delinquency Rate |
0.1%
-64.6% YoY-34.0% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
57.8%
-0.9% YoY+1.2% QoQ
|
-14.9% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$22,349
-3.1% YoY-1.0% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
24.3%
+5.1% YoY+6.9% QoQ
|
-0.1% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
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.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)