BlastPoint's Credit Union Scorecard
LASSEN COUNTY
Charter #17232 · CA
LASSEN COUNTY has 6 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 0.0% in tier
- + Relationship Depth Leader: Top 37.1% in tier
- + Wallet Share Momentum: Top 72.9% in tier
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 5.8% in tier
- + Net Charge-Off Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.6% in tier
- - Membership Headwinds: Bottom 25.3% in tier
- - Stagnation Risk: Bottom 28.3% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 19.04% above tier (higher cost structure)
- - Total Members: Bottom 2.1% in tier
- - Total Deposits: Bottom 5.2% in tier
- - Net Interest Margin (NIM): Bottom 5.4% in tier
- - Total Assets: Bottom 5.6% in tier
- - Total Loans: Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,454
-1.4% YoY-0.4% QoQ
|
-11.2K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 2.0% in tier |
| Assets |
$107.6M
+5.7% YoY+4.5% QoQ
|
$-123.7M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.5% in tier |
| Loans |
$55.3M
+2.0% YoY+2.7% QoQ
|
$-92.5M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.3% in tier |
| Deposits |
$93.2M
+6.4% YoY+4.6% QoQ
|
$-107.1M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.1% in tier |
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| ROA |
0.1%
-24.9% YoY-9.7% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.7% in tier |
| NIM |
2.4%
+9.0% YoY-1.2% QoQ
|
-1.2% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
96.3%
+1.6% YoY+0.4% QoQ
|
+19.0% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 4.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-0.9 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
59.3%
-4.1% YoY-1.9% QoQ
|
-13.4% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$33,329
+6.2% YoY+4.3% QoQ
|
+$9K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 11.1% in tier |
| CD Concentration |
21.4%
+22.0% YoY-0.1% QoQ
|
-3.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
13.1%
-9.2% YoY-5.8% QoQ
|
-0.8% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 declining year-over-year. Shrinking 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)