BlastPoint's Credit Union Scorecard
SMW 104
Charter #14934 · CA
SMW 104 has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 1.02% above tier average
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 10.4% YoY
- + Members Per Employee (MPE): Top 0.1% in tier
- + Member Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.6% in tier
- - AMR Growth Rate: Bottom 6.3% in tier
- - Average Member Relationship (AMR): Bottom 6.8% in tier
- - Total Loans: Bottom 7.9% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
- Shares and deposits +5.7% year over year ($102M in shares and deposits).
- Membership: 10,940 members, +10.4% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 1.88%.
- Efficiency ratio 59.52% vs a 76.73% peer average.
- Loan-to-share ratio 53.20% vs a 71.54% 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 |
10,940
+10.4% YoY-0.4% QoQ
|
-4.2K |
15,168
-2.6% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$117.9M
+6.6% YoY+1.0% QoQ
|
$-114.1M |
$232.0M
+0.7% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.5% in tier |
| Loans |
$54.5M
+7.9% YoY+2.6% QoQ
|
$-91.8M |
$146.3M
+0.2% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 7.8% in tier |
| Deposits |
$102.4M
+5.7% YoY+0.8% QoQ
|
$-98.3M |
$200.7M
+0.2% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.4% in tier |
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| ROA |
1.9%
+40.0% YoY-27.3% QoQ
|
+1.0% |
0.9%
+12.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 4.7% in tier |
| NIM |
3.8%
+5.6% YoY+0.1% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
56% |
| Efficiency Ratio |
59.5%
-9.8% YoY+8.0% QoQ
|
-17.2% |
76.7%
-0.8% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 8.1% in tier |
| Delinquency Rate |
0.3%
-58.7% YoY-38.7% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
53.2%
+2.1% YoY+1.8% QoQ
|
-18.3% |
71.5%
-0.3% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 14.6% in tier |
| AMR |
$14,339
-3.6% YoY+1.9% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 6.7% in tier |
| CD Concentration |
31.0%
+5.9% YoY-0.3% QoQ
|
+6.4% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
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)