BlastPoint's Credit Union Scorecard

SAG-AFTRA

Charter #15317 · CA

1069 CUs in 100M-500M nationally 63 in CA

SAG-AFTRA 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

+ ROA 0.16% above tier average
+ Net Interest Margin 0.02% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 34.8% in tier
- Credit Risk Growth: Bottom 38.2% in tier
- Membership Headwinds: Bottom 82.6% in tier
- Stagnation Risk: Bottom 86.1% in tier
- Flatlined Growth: Bottom 92.5% in tier
- Fee Income Per Member: Bottom 4.0% in tier
- Deposit Growth Rate: Bottom 5.8% in tier
- Asset Growth Rate: Bottom 8.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	20,990 -1.2% YoY-0.2% QoQ	+5.6K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	78%
Assets	$342.9M -2.0% YoY-1.0% QoQ	+$111.1M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	81%
Loans	$164.7M +5.1% YoY+3.2% QoQ	+$17.3M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	66%
Deposits	$298.0M -3.4% YoY-1.2% QoQ	+$97.2M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +49.5% YoY+7.6% QoQ	+0.2%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	62%
NIM	3.6% +9.6% YoY+1.7% QoQ	+0.0%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	51%
Efficiency Ratio	68.7% -6.5% YoY-1.6% QoQ	-8.3%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	22%
Delinquency Rate	0.8% +56.9% YoY+5.2% QoQ	-0.1	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	58%
Loan To Share	55.3% +8.7% YoY+4.5% QoQ	-17.0%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	16%
AMR	$22,043 +0.6% YoY+0.5% QoQ	$-3K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	46%
CD Concentration	7.8% -15.9% YoY+6.2% QoQ	-16.7%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#246 of 705 • Bottom 34.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Credit Risk Growth

risk

#175 of 456 • Bottom 38.2% in tier

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

Why This Signature

Loan Growth (YoY): 5.06%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.30% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Membership Headwinds

decline

#458 of 554 • Bottom 82.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.16%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#477 of 554 • Bottom 86.1% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.16%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 5.06%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.84%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Flatlined Growth

risk

#38 of 41 • Bottom 92.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.98%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.92%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.75%

Peer Median: -

#82 of 1069 Top 7.6% in 100M-500M tier

143

Members Per Employee (MPE)

engagement

Value: 437.292

Peer Median: -

#143 of 1069 Top 13.3% in 100M-500M tier

202

Total Deposits

balance_sheet

Value: $297.99M

Peer Median: -

#202 of 1069 Top 18.8% in 100M-500M tier

204

Total Assets

balance_sheet

Value: $342.94M

Peer Median: -

#204 of 1069 Top 19.0% in 100M-500M tier

232

Total Members

engagement

Value: 20,990

Peer Median: -

#232 of 1069 Top 21.6% in 100M-500M tier

238

Efficiency Ratio

profitability

Value: 68.69%

Peer Median: -

#238 of 1069 Top 22.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1027

Fee Income Per Member

profitability

Value: $67.01

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1008

Deposit Growth Rate

growth

Value: -3.38%

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

976

Asset Growth Rate

growth

Value: -1.98%

Peer Median: -

#976 of 1069 Bottom 8.8% in 100M-500M tier

897

Loan-to-Share Ratio

balance_sheet

Value: 55.27%

Peer Median: -

#897 of 1069 Bottom 16.2% in 100M-500M tier

824

AMR Growth Rate

growth

Value: 0.63%

Peer Median: -

#824 of 1069 Bottom 23.0% in 100M-500M tier