BlastPoint's Credit Union Scorecard
SAG-AFTRA
Charter #15317 · CA
SAG-AFTRA has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.27% above tier average
- + Share Certificate Concentration (%): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - Fee Income Per Member: Bottom 6.6% in tier
- - Asset Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,010
-0.9% YoY+0.1% QoQ
|
+5.9K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$340.6M
-2.3% YoY-0.7% QoQ
|
+$108.9M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
80% |
| Loans |
$166.7M
+6.0% YoY+1.2% QoQ
|
+$22.5M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$293.7M
-4.0% YoY-1.5% QoQ
|
+$92.5M |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
80% |
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| ROA |
1.1%
+71.9% YoY+20.5% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
3.9%
+14.0% YoY+7.4% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
68% |
| Efficiency Ratio |
63.5%
-14.3% YoY-7.5% QoQ
|
-14.5% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Top 12.6% in tier |
| Delinquency Rate |
0.8%
+41.4% YoY-8.0% QoQ
|
+0.0 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
63% |
| Loan To Share |
56.8%
+10.4% YoY+2.7% QoQ
|
-13.7% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
21% |
| AMR |
$21,911
+0.3% YoY-0.6% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
7.5%
-20.3% YoY-2.7% QoQ
|
-16.7% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)