BlastPoint's Credit Union Scorecard

EDWARDS

Charter #14830 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

EDWARDS has 4 strengths but faces 8 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

+ Organic Growth Leader: Top 50.0% in tier
+ Strong member growth: 31.6% YoY
+ Member Growth Rate: Top 1.1% in tier
+ Loan Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.88% below tier average
- Efficiency ratio 20.97% above tier (higher cost structure)
- Delinquency rate 0.10% above tier average
- AMR Growth Rate: Bottom 1.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	16,661 +31.6% YoY+27.4% QoQ	+1.5K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	65%
Assets	$278.9M +3.8% YoY+0.9% QoQ	+$47.2M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	70%
Loans	$155.0M +16.7% YoY+2.0% QoQ	+$10.9M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	64%
Deposits	$255.9M +3.4% YoY+1.1% QoQ	+$54.8M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	72%

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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	-0.2% -218.0% YoY	-0.9%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 5.4% in tier
NIM	3.6% +7.6% YoY+5.2% QoQ	+0.0%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	99.0% +4.3% YoY+7.2% QoQ	+21.0%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 3.6% in tier
Delinquency Rate	0.9% +57.8% YoY+23.7% QoQ	+0.1	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	69%
Loan To Share	60.6% +12.9% YoY+0.9% QoQ	-9.9%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	28%
AMR	$24,665 -17.9% YoY-20.4% QoQ	$-253	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	59%
CD Concentration	14.7% +1.6% YoY-4.6% QoQ	-9.5%	24.3%	21.6%	19.8%	50%
Indirect Auto %	8.3% +2.6% YoY+4.0% QoQ	-5.5%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#6 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 31.59%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 8.31%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (4)

Shrinking Wallet Share

decline

#9 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -17.87%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#33 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 16.73%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#210 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.32% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#295 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 98.99%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.29% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 31.59%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 31.59%

Peer Median: -0.06%

#13 of 1070 Top 1.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.73%

Peer Median: 2.93%

#59 of 1070 Top 5.4% in 100M-500M tier

203

Members Per Employee (MPE)

engagement

Value: 406.366

Peer Median: 309.176

#203 of 1070 Top 18.9% in 100M-500M tier

229

Share Certificate Concentration (%)

balance_sheet

Value: 14.74%

Peer Median: 23.10%

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (4 metrics)

1060

AMR Growth Rate

growth

Value: -17.87%

Peer Median: 3.46%

#1060 of 1070 Bottom 1.0% in 100M-500M tier

1033

Efficiency Ratio

profitability

Value: 98.99%

Peer Median: 78.68%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1012

Return on Assets (ROA)

profitability

Value: -0.16%

Peer Median: 0.69%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

954

Net Worth Ratio

risk

Value: 8.75%

Peer Median: 11.45%

#954 of 1070 Bottom 10.9% in 100M-500M tier