BlastPoint's Credit Union Scorecard
HONDA
Charter #17623 · CA
HONDA has 1 strength but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 71.3% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 10.5% in tier
- - Membership Headwinds: Bottom 13.4% in tier
- - Credit Quality Pressure: Bottom 27.6% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 5.91% above tier (higher cost structure)
- - Member decline: -3.2% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,930
-3.2% YoY-1.2% QoQ
|
-37.7K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.1% in tier |
| Assets |
$1.2B
+0.3% YoY+0.0% QoQ
|
$-535.1M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
22% |
| Loans |
$899.1M
-0.0% YoY+0.7% QoQ
|
$-333.9M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
26% |
| Deposits |
$1.0B
-0.8% YoY+0.0% QoQ
|
$-422.3M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
0.5%
-1271.8% YoY-19.0% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.1%
+11.8% YoY+3.6% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
79.9%
-17.9% YoY+0.1% QoQ
|
+5.9% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.3%
+0.8% YoY+9.9% QoQ
|
-0.5 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
17% |
| Loan To Share |
87.1%
+0.8% YoY+0.6% QoQ
|
+1.9% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$31,694
+2.8% YoY+1.5% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
33.2%
-5.1% YoY-0.5% QoQ
|
+4.2% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
70% |
| Indirect Auto % |
11.6%
+4.4% YoY+4.8% QoQ
|
-7.2% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
39% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)