BlastPoint's Credit Union Scorecard
LASSEN COUNTY
Charter #17232 · CA
LASSEN COUNTY has 5 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 46.1% in tier
- + Wallet Share Momentum: Top 90.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 4.4% in tier
- + First Mortgage Concentration (%): Top 5.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.4% in tier
- - Membership Headwinds: Bottom 72.2% in tier
- - Stagnation Risk: Bottom 93.1% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 18.65% above tier (higher cost structure)
- - Total Members: Bottom 2.1% in tier
- - Net Interest Margin (NIM): Bottom 5.0% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Total Assets: Bottom 5.5% in tier
- - Total Loans: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,454
-1.6% YoY0% QoQ
|
-11.0K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 2.0% in tier |
| Assets |
$108.0M
+4.9% YoY+0.3% QoQ
|
$-123.9M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.4% in tier |
| Loans |
$55.6M
+2.9% YoY+0.6% QoQ
|
$-91.7M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.0% in tier |
| Deposits |
$93.4M
+4.4% YoY+0.2% QoQ
|
$-107.4M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.3% in tier |
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| ROA |
0.1%
-6.7% YoY+18.1% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.0% in tier |
| NIM |
2.4%
+7.0% YoY+0.6% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
95.7%
+0.5% YoY-0.7% QoQ
|
+18.6% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate | 0.0% | -0.9 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
59.6%
-1.4% YoY+0.4% QoQ
|
-12.7% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
22% |
| AMR |
$33,451
+5.5% YoY+0.4% QoQ
|
+$9K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 11.5% in tier |
| CD Concentration |
21.2%
+14.6% YoY-1.0% QoQ
|
-3.2% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
12.5%
-15.6% YoY-4.6% QoQ
|
-1.3% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)