BlastPoint's Credit Union Scorecard
MARIN COUNTY
Charter #15659 · CA
MARIN COUNTY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.11% above tier average
- + Members Per Employee (MPE): Top 2.3% in tier
- + Asset Growth Rate: Top 5.6% in tier
- + Deposit Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Total Assets: Bottom 0.7% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Total Members: Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,127
-1.0% YoY-0.2% QoQ
|
-11.3K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 1.7% in tier |
| Assets |
$101.0M
+13.2% YoY+2.6% QoQ
|
$-130.9M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.6% in tier |
| Loans |
$27.1M
-9.2% YoY-2.1% QoQ
|
$-120.2M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.6% in tier |
| Deposits |
$89.2M
+12.1% YoY+2.6% QoQ
|
$-111.6M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 2.7% in tier |
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| ROA |
0.9%
-21.2% YoY-7.8% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
2.7%
-6.7% YoY-2.9% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.5% in tier |
| Efficiency Ratio |
65.2%
+5.8% YoY+5.0% QoQ
|
-11.9% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.9%
-70.4% YoY-7.3% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
30.4%
-19.0% YoY-4.6% QoQ
|
-41.8% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.5% in tier |
| AMR |
$28,194
+7.4% YoY+1.7% QoQ
|
+$4K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
29.5%
+32.0% YoY+2.3% QoQ
|
+5.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)