BlastPoint's Credit Union Scorecard
L.A. HEALTHCARE
Charter #16571 · CA
L.A. HEALTHCARE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 8.46% above tier (higher cost structure)
- - Member decline: -3.4% YoY
- - Net Worth Ratio: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 7.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -4.6% year over year ($13.6M in shares and deposits).
- Membership: 1,882 members, -3.4% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.31%.
- Efficiency ratio 97.22% vs a 88.77% peer average.
- Loan-to-share ratio 36.12% vs a 58.89% 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 |
1,882
-3.4% YoY-1.3% QoQ
|
-703 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$14.9M
-4.5% YoY-0.5% QoQ
|
$-15.4M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$4.9M
-18.8% YoY+1.2% QoQ
|
$-10.6M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$13.6M
-4.6% YoY-0.3% QoQ
|
$-12.2M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
0.3%
-208.9% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
4.1%
+14.8% YoY+4.7% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
97.2%
-2.5% YoY-6.2% QoQ
|
+8.5% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.9%
+14.3% YoY-7.0% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
58% |
| Loan To Share |
36.1%
-14.9% YoY+1.5% QoQ
|
-22.8% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$9,805
-5.6% YoY+1.3% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
27% |
| CD Concentration |
4.2%
-45.4% YoY-5.0% QoQ
|
-20.4% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
3.6%
-23.9% YoY-16.7% QoQ
|
-10.0% | 13.6% | 9.2% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)