BlastPoint's Credit Union Scorecard

CHAFFEY

Charter #16030 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

CHAFFEY has 1 strength 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

+ Net Charge-Off Rate: Top 3.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: 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 0.83% below tier average
- Efficiency ratio 10.33% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.4% in tier
- Asset Growth Rate: Bottom 5.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	11,786 -1.0% YoY-0.2% QoQ	-3.4K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	43%
Assets	$229.1M -3.4% YoY+0.2% QoQ	$-2.6M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	59%
Loans	$119.9M -1.5% YoY+0.8% QoQ	$-24.2M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	49%
Deposits	$201.8M +0.3% YoY+2.9% QoQ	+$620K	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	59%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.1%	-0.8%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Bottom 6.2% in tier
NIM	3.0% +15.2% YoY+5.1% QoQ	-0.6%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	16%
Efficiency Ratio	88.4% -10.2% YoY-2.7% QoQ	+10.3%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	80%
Delinquency Rate	0.3% -26.0% YoY+85.4% QoQ	-0.5	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	23%
Loan To Share	59.5% -1.9% YoY-2.0% QoQ	-11.0%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	26%
AMR	$27,295 +0.7% YoY+2.3% QoQ	+$2K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	72%
CD Concentration	28.5% +10.6% YoY+1.7% QoQ	+4.2%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#57 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.35%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.07% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Stagnation Risk

risk

#461 of 570 • 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): -1.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.52%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.31%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#497 of 570 • 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): -1.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#232 of 250 • 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: $229.06M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.02%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.52%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 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 1070 peers in tier

Top Strengths (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.35%

#33 of 1070 Top 3.0% in 100M-500M tier

246

Total Delinquency Rate (60+ days)

risk

Value: 0.31%

Peer Median: 0.61%

#246 of 1070 Top 22.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1045

Net Worth Ratio

risk

Value: 7.79%

Peer Median: 11.45%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1012

Asset Growth Rate

growth

Value: -3.39%

Peer Median: 3.91%

#1012 of 1070 Bottom 5.5% in 100M-500M tier

1004

Return on Assets (ROA)

profitability

Value: -0.11%

Peer Median: 0.69%

#1004 of 1070 Bottom 6.3% in 100M-500M tier

903

Net Interest Margin (NIM)

profitability

Value: 2.98%

Peer Median: 3.62%

#903 of 1070 Bottom 15.7% in 100M-500M tier

862

Efficiency Ratio

profitability

Value: 88.35%

Peer Median: 78.68%

#862 of 1070 Bottom 19.5% in 100M-500M tier

831

Deposit Growth Rate

growth

Value: 0.35%

Peer Median: 3.30%

#831 of 1070 Bottom 22.4% in 100M-500M tier