BlastPoint's Credit Union Scorecard

LASSEN COUNTY

Charter #17232 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

LASSEN COUNTY has 3 strengths 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

+ Relationship Depth Leader: Top 50.0% in tier
+ Net Charge-Off Rate: Top 1.9% in tier
+ First Mortgage Concentration (%): Top 5.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- 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 0.40% below tier average
- Efficiency ratio 7.39% above tier (higher cost structure)
- Total Members: Bottom 2.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits +4.3% year over year ($92.8M in shares and deposits).
Membership: 4,406 members, -1.5% vs a year ago.
Delinquency rate 0.49%.
Return on assets 0.47%.
Efficiency ratio 84.13% vs a 76.73% peer average.
Loan-to-share ratio 57.28% vs a 71.54% 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	4,406 -1.5% YoY-0.5% QoQ	-10.8K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Bottom 2.1% in tier
Assets	$107.5M +4.3% YoY-1.7% QoQ	$-124.5M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 5.1% in tier
Loans	$53.2M -1.3% YoY+2.7% QoQ	$-93.1M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 7.2% in tier
Deposits	$92.8M +4.3% YoY-2.1% QoQ	$-107.9M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 4.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +303.0% YoY+14.5% QoQ	-0.4%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	25%
NIM	2.7% +11.8% YoY+3.9% QoQ	-1.0%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 6.4% in tier
Efficiency Ratio	84.1% -12.3% YoY-1.5% QoQ	+7.4%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	73%
Delinquency Rate	0.5% +573.4% QoQ	-0.4	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	35%
Loan To Share	57.3% -5.3% YoY+4.9% QoQ	-14.3%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	22%
AMR	$33,136 +3.7% YoY+0.2% QoQ	+$8K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 12.9% in tier
CD Concentration	22.4% +4.5% YoY+1.9% QoQ	-2.2%	24.6%	22.2%	20.0%	50%
Indirect Auto %	13.4% -3.5% YoY+5.8% QoQ	-0.2%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#171 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 3.69%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $3.9K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk

#166 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Efficiency Drag

risk

#330 of 531 • 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: 84.13%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.35% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Stagnation Risk

risk

#358 of 549 • 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): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.28%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.49%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#398 of 549 • 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): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Institutional Decline

decline

#227 of 230 • 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: $107.50M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.45%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -1.28%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (3 metrics)

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.34%

#20 of 1024 Top 1.9% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.83%

Peer Median: 29.92%

#56 of 1024 Top 5.4% in 100M-500M tier

132

Average Member Relationship (AMR)

engagement

Value: $33,136

Peer Median: $23,006

#132 of 1024 Top 12.8% in 100M-500M tier

Top Weaknesses (8 metrics)

1002

Total Members

engagement

Value: 4,406

Peer Median: 13,128

#1002 of 1024 Bottom 2.2% in 100M-500M tier

974

Total Deposits

balance_sheet

Value: $92.83M

Peer Median: $170.77M

#974 of 1024 Bottom 5.0% in 100M-500M tier

972

Total Assets

balance_sheet

Value: $107.50M

Peer Median: $196.38M

#972 of 1024 Bottom 5.2% in 100M-500M tier

958

Net Interest Margin (NIM)

profitability

Value: 2.70%

Peer Median: 3.67%

#958 of 1024 Bottom 6.5% in 100M-500M tier

950

Total Loans

balance_sheet

Value: $53.17M

Peer Median: $124.04M

#950 of 1024 Bottom 7.3% in 100M-500M tier

834

Fee Income Per Member

profitability

Value: $105.98

Peer Median: $159.88

#834 of 1024 Bottom 18.7% in 100M-500M tier

804

Loan-to-Share Ratio

balance_sheet

Value: 57.28%

Peer Median: 73.07%

#804 of 1024 Bottom 21.6% in 100M-500M tier

772

Loan Growth Rate

growth

Value: -1.28%

Peer Median: 3.02%

#772 of 1024 Bottom 24.7% in 100M-500M tier