BlastPoint's Credit Union Scorecard

HONDA

Charter #17623 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

HONDA faces 8 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

- Cost Spiral: Bottom 1.8% in tier
- Efficiency Drag: Bottom 8.4% in tier
- Credit Quality Pressure: Bottom 53.2% in tier
- Credit Risk Growth: Bottom 67.6% in tier
- Membership Headwinds: Bottom 87.4% in tier
- Stagnation Risk: Bottom 87.4% in tier
- ROA 0.21% below tier average
- Efficiency ratio 12.63% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	60,566 -2.4% YoY-0.6% QoQ	-35.5K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 14.7% in tier
Assets	$1.2B +0.6% YoY+3.0% QoQ	$-515.7M	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	22%
Loans	$918.0M +2.8% YoY-0.5% QoQ	$-295.7M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	29%
Deposits	$1.0B -0.7% YoY+2.0% QoQ	$-424.4M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	24%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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% -49.3% YoY+22.1% QoQ	-0.2%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	32%
NIM	3.4% +21.9% YoY+5.0% QoQ	+0.0%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	51%
Efficiency Ratio	87.3% +24.0% YoY+5.8% QoQ	+12.6%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Bottom 9.5% in tier
Delinquency Rate	0.3% +5.6% YoY-19.3% QoQ	-0.4	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	20%
Loan To Share	88.2% +3.5% YoY-2.4% QoQ	+5.0%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	59%
AMR	$32,348 +3.4% YoY+1.4% QoQ	+$3K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	72%
CD Concentration	33.6% -1.4% YoY+0.7% QoQ	+4.7%	28.8%	21.6%	19.8%	71%
Indirect Auto %	11.9% +10.6% YoY+5.0% QoQ	-6.2%	18.1%	9.0%	7.7%	42%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Cost Spiral

risk

#6 of 11 • Bottom 1.8% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 16.88% points

(Tier: -2.46% points, National: 2.52% points)

worse than tier avg

Efficiency Ratio (Prior Year): 48.45%

(Tier: 53.09%, National: 64.04%)

but better than tier avg

11 of 384 Mid-Market CUs have this signature | 96 nationally

↓ Shrinking -10 CUs YoY | New qualifier

Membership Headwinds

decline

#49 of 91 • Bottom 87.4% in tier

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

Why This Signature

Member Growth (YoY): -2.44%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Efficiency Drag

risk

#56 of 100 • Bottom 8.4% in tier

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

Why This Signature

Efficiency Ratio: 87.27%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.50% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.44%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Stagnation Risk

risk

#64 of 91 • Bottom 87.4% 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): -2.44%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.77%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.34%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#202 of 225 • Bottom 53.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#173 of 183 • Bottom 67.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.77%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | 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 306 peers in tier

Top Strengths (3 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Median: 0.63%

#62 of 306 Top 19.9% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.29%

Peer Median: 0.51%

#75 of 306 Top 24.2% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,158

Peer Median: $12,733

#76 of 306 Top 24.5% in 1B-3B tier

Top Weaknesses (9 metrics)

278

Efficiency Ratio

profitability

Value: 87.27%

Peer Median: 75.16%

#278 of 306 Bottom 9.5% in 1B-3B tier

275

Deposit Growth Rate

growth

Value: -0.70%

Peer Median: 4.44%

#275 of 306 Bottom 10.5% in 1B-3B tier

265

Member Growth Rate

growth

Value: -2.44%

Peer Median: 2.03%

#265 of 306 Bottom 13.7% in 1B-3B tier

261

Total Members

engagement

Value: 60,566

Peer Median: 85,918

#261 of 306 Bottom 15.0% in 1B-3B tier

258

Asset Growth Rate

growth

Value: 0.63%

Peer Median: 4.82%

#258 of 306 Bottom 16.0% in 1B-3B tier

256

Net Worth Ratio

risk

Value: 9.15%

Peer Median: 10.85%

#256 of 306 Bottom 16.7% in 1B-3B tier

253

First Mortgage Concentration (%)

balance_sheet

Value: 47.01%

Peer Median: 33.05%

#253 of 306 Bottom 17.6% in 1B-3B tier

239

Total Assets

balance_sheet

Value: $1.20B

Peer Median: $1.51B

#239 of 306 Bottom 22.2% in 1B-3B tier

234

Total Deposits

balance_sheet

Value: $1.04B

Peer Median: $1.31B

#234 of 306 Bottom 23.9% in 1B-3B tier