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
- + Net Charge-Off Rate: Top 1.3% in tier
- + Members Per Employee (MPE): Top 2.2% in tier
- + Asset Growth Rate: Top 7.3% in tier
- + Deposit Growth Rate: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.15% above tier average
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Total Members: Bottom 2.0% in tier
- - Total Assets: Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,123
-0.6% YoY-0.1% QoQ
|
-11.0K |
15,145
-2.5% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 1.9% in tier |
| Assets |
$102.2M
+11.1% YoY+1.2% QoQ
|
$-129.5M |
$231.7M
+0.8% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.1% in tier |
| Loans |
$26.6M
-8.9% YoY-2.1% QoQ
|
$-117.6M |
$144.1M
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 0.7% in tier |
| Deposits |
$90.2M
+10.3% YoY+1.1% QoQ
|
$-110.9M |
$201.1M
+0.4% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.6% in tier |
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| ROA |
0.7%
+11.6% YoY-18.2% QoQ
|
+0.0% |
0.7%
+5.1% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
52% |
| NIM |
2.5%
-11.5% YoY-7.4% QoQ
|
-1.2% |
3.6%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio |
67.5%
-1.5% YoY+3.6% QoQ
|
-10.5% |
78.0%
-1.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
20% |
| Delinquency Rate |
0.9%
-68.9% YoY+7.5% QoQ
|
+0.1 |
0.8%
+7.1% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
29.4%
-17.4% YoY-3.2% QoQ
|
-41.0% |
70.4%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.9% in tier |
| AMR |
$28,330
+5.9% YoY+0.5% QoQ
|
+$3K |
$24,918
+2.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
30.2%
+24.8% YoY+2.4% QoQ
|
+5.9% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)