BlastPoint's Credit Union Scorecard

MARIN COUNTY

Charter #15659 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

MARIN COUNTY has 2 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

+ Wallet Share Momentum: Top 50.0% in tier
+ Members Per Employee (MPE): Top 2.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.13% below tier average
- Delinquency rate 0.81% above tier average
- Total Loans: Bottom 0.9% in tier
- Total Members: Bottom 2.1% 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 +8.3% year over year ($91.5M in shares and deposits).
Membership: 4,120 members, -0.9% vs a year ago.
Delinquency rate 1.69%.
Return on assets 0.74%.
Efficiency ratio 64.66% vs a 76.73% peer average.
Loan-to-share ratio 29.45% 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	4,120 -0.9% YoY-0.1% QoQ	-11.0K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 2.0% in tier
Assets	$103.5M +8.6% YoY+1.3% QoQ	$-128.5M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 2.3% in tier
Loans	$26.9M -5.8% YoY+1.5% QoQ	$-119.3M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 0.8% in tier
Deposits	$91.5M +8.3% YoY+1.4% QoQ	$-109.2M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 4.4% in tier

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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	0.7% -28.1% YoY+2.8% QoQ	-0.1%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	48%
NIM	2.5% -12.7% YoY+0.5% QoQ	-1.2%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 3.7% in tier
Efficiency Ratio	64.7% +4.7% YoY-4.2% QoQ	-12.1%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	15%
Delinquency Rate	1.7% +59.3% YoY+82.8% QoQ	+0.8	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	Bottom 11.1% in tier
Loan To Share	29.4% -13.0% YoY+0.1% QoQ	-42.1%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 2.1% in tier
AMR	$28,755 +5.6% YoY+1.5% QoQ	+$4K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	77%
CD Concentration	32.4% +23.9% YoY+7.2% QoQ	+7.8%	24.6%	22.2%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#425 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.63%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#100 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.63% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Stagnation Risk

risk

#187 of 549 • Bottom 50.0% 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): -0.87%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.76%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.69%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#477 of 549 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.87%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#215 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $103.53M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.87%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -5.76%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 588.571

Peer Median: 310.924

#23 of 1024 Top 2.1% in 100M-500M tier

148

First Mortgage Concentration (%)

balance_sheet

Value: 11.65%

Peer Median: 29.92%

#148 of 1024 Top 14.4% in 100M-500M tier

150

Deposit Growth Rate

growth

Value: 8.26%

Peer Median: 3.58%

#150 of 1024 Top 14.6% in 100M-500M tier

156

Asset Growth Rate

growth

Value: 8.63%

Peer Median: 4.12%

#156 of 1024 Top 15.1% in 100M-500M tier

157

Efficiency Ratio

profitability

Value: 64.66%

Peer Median: 77.26%

#157 of 1024 Top 15.2% in 100M-500M tier

240

Average Member Relationship (AMR)

engagement

Value: $28,755

Peer Median: $23,006

#240 of 1024 Top 23.3% in 100M-500M tier

Top Weaknesses (11 metrics)

1016

Total Loans

balance_sheet

Value: $26.95M

Peer Median: $124.04M

#1016 of 1024 Bottom 0.9% in 100M-500M tier

1004

Total Members

engagement

Value: 4,120

Peer Median: 13,128

#1004 of 1024 Bottom 2.1% in 100M-500M tier

1003

Loan-to-Share Ratio

balance_sheet

Value: 29.45%

Peer Median: 73.07%

#1003 of 1024 Bottom 2.1% in 100M-500M tier

1000

Total Assets

balance_sheet

Value: $103.53M

Peer Median: $196.38M

#1000 of 1024 Bottom 2.4% in 100M-500M tier

988

Fee Income Per Member

profitability

Value: $55.75

Peer Median: $159.88

#988 of 1024 Bottom 3.6% in 100M-500M tier

986

Net Interest Margin (NIM)

profitability

Value: 2.49%

Peer Median: 3.67%

#986 of 1024 Bottom 3.8% in 100M-500M tier

979

Total Deposits

balance_sheet

Value: $91.52M

Peer Median: $170.77M

#979 of 1024 Bottom 4.5% in 100M-500M tier

939

Loan Growth Rate

growth

Value: -5.76%

Peer Median: 3.02%

#939 of 1024 Bottom 8.4% in 100M-500M tier

911

Total Delinquency Rate (60+ days)

risk

Value: 1.69%

Peer Median: 0.71%

#911 of 1024 Bottom 11.1% in 100M-500M tier

847

Loan-to-Member Ratio (LMR)

engagement

Value: $6,541

Peer Median: $9,434

#847 of 1024 Bottom 17.4% in 100M-500M tier