BlastPoint's Credit Union Scorecard
SMW 104
Charter #14934 · CA
SMW 104 has 8 strengths but faces 7 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 1.87% above tier average
- + Net Interest Margin 0.13% above tier average
- + Strong member growth: 12.5% YoY
- + Members Per Employee (MPE): Top 0.1% in tier
- + Member Growth Rate: Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.2% in tier
- - Average Member Relationship (AMR): Bottom 6.3% in tier
- - Total Loans: Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 9.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,986
+12.5% YoY+8.5% QoQ
|
-4.2K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$116.8M
+7.8% YoY+0.9% QoQ
|
$-114.9M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.1% in tier |
| Loans |
$53.1M
+14.1% YoY+6.3% QoQ
|
$-91.1M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 7.6% in tier |
| Deposits |
$101.6M
+7.3% YoY+0.6% QoQ
|
$-99.6M |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.6% in tier |
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| ROA |
2.6%
+47.8% YoY+66.7% QoQ
|
+1.9% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Top 0.9% in tier |
| NIM |
3.8%
+7.2% YoY+5.8% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
55.1%
-9.2% YoY-14.1% QoQ
|
-22.9% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
0.5%
+27.7% YoY-4.1% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
42% |
| Loan To Share |
52.3%
+6.3% YoY+5.7% QoQ
|
-18.1% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.1% in tier |
| AMR |
$14,078
-2.6% YoY-5.5% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.2% in tier |
| CD Concentration |
31.1%
+9.2% YoY+7.0% QoQ
|
+6.8% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)