BlastPoint's Credit Union Scorecard
CHAFFEY
Charter #16030 · CA
CHAFFEY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 1.1% in tier
- - Stagnation Risk: Bottom 77.6% in tier
- - Membership Headwinds: Bottom 78.7% in tier
- - Institutional Decline: Bottom 79.1% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 13.82% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,813
-1.3% YoY-0.3% QoQ
|
-3.6K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$228.6M
-1.0% YoY-0.3% QoQ
|
$-3.2M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$119.1M
-3.1% YoY-0.9% QoQ
|
$-28.3M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$196.1M
+0.5% YoY+1.7% QoQ
|
$-4.7M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
-0.0%
+524.9% YoY-87.1% QoQ
|
-0.8% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.4% in tier |
| NIM |
2.8%
+16.1% YoY+5.3% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio |
90.8%
-4.6% YoY-3.2% QoQ
|
+13.8% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 8.5% in tier |
| Delinquency Rate |
0.2%
-57.6% YoY-67.6% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.2% in tier |
| Loan To Share |
60.7%
-3.6% YoY-2.6% QoQ
|
-11.5% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$26,683
+0.4% YoY+1.0% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
28.1%
+6.5% YoY+1.4% QoQ
|
+3.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)