BlastPoint's Credit Union Scorecard

HONDA

Charter #17623 · CA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 40 in CA
View Mid-Market leaderboard →

HONDA faces 7 concerns requiring attention

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 47.6% in tier
  • - Stagnation Risk: Bottom 63.1% in tier
  • - Efficiency Drag: Bottom 75.3% in tier
  • - Liquidity Strain: Bottom 98.8% in tier
  • - ROA 0.27% below tier average
  • - Efficiency ratio 8.44% above tier (higher cost structure)
  • - Member decline: -2.6% YoY

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 60,912
-2.6% YoY-0.0% QoQ
 -36.5K 97,431
-2.4% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 Bottom 14.9% in tier
Assets $1.2B
-0.5% YoY-1.3% QoQ
 $-554.6M $1.7B
+0.9% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 17%
Loans $922.4M
+1.5% YoY+2.6% QoQ
 $-312.0M $1.2B
+0.5% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 28%
Deposits $1.0B
-1.2% YoY-1.1% QoQ
 $-438.7M $1.5B
+0.9% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 21%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.4%
+10187.2% YoY-20.4% QoQ
 -0.3% 0.7%
+20.9% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 24%
NIM 3.2%
+13.3% YoY+3.2% QoQ
 -0.0% 3.3%
+9.2% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 45%
Efficiency Ratio 82.5%
-13.4% YoY+3.3% QoQ
 +8.4% 74.1%
-9.5% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 Top 14.6% in tier
Delinquency Rate 0.4%
-0.6% YoY+23.1% QoQ
 -0.5 0.9%
+6.2% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 20%
Loan To Share 90.4%
+2.8% YoY+3.7% QoQ
 +5.6% 84.8%
-0.8% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 60%
AMR $31,899
+2.8% YoY+0.6% QoQ
 +$2K $29,428
+2.4% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 71%
CD Concentration 33.3%
-6.1% YoY+0.4% QoQ
 +4.3% 29.0% 21.7% 19.8% 71%
Indirect Auto % 11.4%
+5.7% YoY-2.0% QoQ
 -7.0% 18.3% 9.2% 7.8% 40%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Membership Headwinds

decline
#41 of 85 • Bottom 47.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.63%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk
#54 of 85 • Bottom 63.1% 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): -2.63%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
Loan Growth (YoY): 1.50%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
Delinquency Rate: 0.42%
(Tier: 0.89%, National: 1.28%)
but better than tier avg
85 of 378 Mid-Market CUs have this signature | 652 nationally
→ No prior data (85 CUs now) | New qualifier

Efficiency Drag

risk
#68 of 90 • Bottom 75.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 82.50%
(Tier: 73.53%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.41% points
(Tier: 0.12% points, National: 0.02% points)
but better than tier avg
Member Growth (YoY): -2.63%
(Tier: 3.43%, National: 4.32%)
worse than tier avg
90 of 378 Mid-Market CUs have this signature | 633 nationally
↓ Shrinking -36 CUs YoY | Rank worsening

Liquidity Strain

risk
#164 of 166 • Bottom 98.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.38%
(Tier: 85.73%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): 1.50%
(Tier: 6.38%, National: 111.96%)
worse than tier avg
166 of 378 Mid-Market CUs have this signature | 439 nationally
↓ Shrinking -7 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)

Comparing against 302 peers in tier

Top Strengths (2 metrics)

51
Net Charge-Off Rate
risk
Value: 0.23%
Peer Median: -
#51 of 302 Top 16.6% in 1B-3B tier
60
Total Delinquency Rate (60+ days)
risk
Value: 0.42%
Peer Median: -
#60 of 302 Top 19.5% in 1B-3B tier

Top Weaknesses (10 metrics)

272
Deposit Growth Rate
growth
Value: -1.22%
Peer Median: -
#272 of 302 Bottom 10.3% in 1B-3B tier
268
Asset Growth Rate
growth
Value: -0.55%
Peer Median: -
#268 of 302 Bottom 11.6% in 1B-3B tier
264
Member Growth Rate
growth
Value: -2.63%
Peer Median: -
#264 of 302 Bottom 12.9% in 1B-3B tier
259
Efficiency Ratio
profitability
Value: 82.50%
Peer Median: -
#259 of 302 Bottom 14.6% in 1B-3B tier
257
Total Members
engagement
Value: 60,912
Peer Median: -
#257 of 302 Bottom 15.2% in 1B-3B tier
250
Total Assets
balance_sheet
Value: $1.17B
Peer Median: -
#250 of 302 Bottom 17.5% in 1B-3B tier
250
First Mortgage Concentration (%)
balance_sheet
Value: 46.99%
Peer Median: -
#250 of 302 Bottom 17.5% in 1B-3B tier
249
Net Worth Ratio
risk
Value: 9.30%
Peer Median: -
#249 of 302 Bottom 17.9% in 1B-3B tier
239
Total Deposits
balance_sheet
Value: $1.02B
Peer Median: -
#239 of 302 Bottom 21.2% in 1B-3B tier
229
Return on Assets (ROA)
profitability
Value: 0.42%
Peer Median: -
#229 of 302 Bottom 24.5% in 1B-3B tier
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