BlastPoint's Credit Union Scorecard

PARTNERS

Charter #18708 · CA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 40 in CA

View Mid-Market leaderboard →

PARTNERS has 6 strengths but faces 6 concerns

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

+ ROA 0.01% above tier average
+ Net Interest Margin 0.29% above tier average
+ Total Members: Top 3.9% in tier
+ Total Loans: Top 4.6% in tier
+ Total Deposits: Top 5.9% in tier
+ Total Assets: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.2% in tier
- Credit Risk Growth: Bottom 22.8% in tier
- Stagnation Risk: Bottom 23.8% in tier
- Liquidity Strain: Bottom 29.0% in tier
- Membership Headwinds: Bottom 32.2% in tier
- Delinquency rate 0.13% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	178,768 -0.6% YoY-0.1% QoQ	+80.1K	98,678 -1.9% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Top 4.3% in tier
Assets	$2.7B +5.2% YoY+0.1% QoQ	+$933.8M	$1.7B +0.5% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Top 8.6% in tier
Loans	$2.2B +1.3% YoY+1.5% QoQ	+$919.3M	$1.2B +0.5% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Top 4.9% in tier
Deposits	$2.3B +4.9% YoY-0.4% QoQ	+$858.9M	$1.5B +1.3% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Top 6.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -25.6% YoY+90.4% QoQ	+0.0%	0.7% +13.4% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	55%
NIM	3.5% +6.0% YoY+2.4% QoQ	+0.3%	3.3% +9.3% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	69%
Efficiency Ratio	71.9% +2.8% YoY-3.6% QoQ	-2.1%	74.0% -10.9% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	38%
Delinquency Rate	1.0% +18.2% YoY+4.9% QoQ	+0.1	0.8% +6.1% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	73%
Loan To Share	93.0% -3.4% YoY+1.9% QoQ	+7.8%	85.2% -0.8% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	67%
AMR	$24,979 +3.8% YoY+0.5% QoQ	$-4K	$29,172 +2.8% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	34%
CD Concentration	22.4% -10.2% YoY+0.2% QoQ	-6.5%	29.0% +0.7% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	21%
Indirect Auto %	5.0% -41.9% YoY-14.7% QoQ	-13.7%	18.8% -3.0% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	24%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#94 of 217 • Bottom 12.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.15% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank worsening

Credit Risk Growth

risk

#128 of 161 • Bottom 22.8% in tier

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

Why This Signature

Loan Growth (YoY): 1.30%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.15% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank improving

Stagnation Risk

risk

#58 of 85 • Bottom 23.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.30%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.96%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Liquidity Strain

risk

#153 of 183 • Bottom 29.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.04%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 1.30%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Membership Headwinds

decline

#78 of 85 • Bottom 32.2% in tier

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

Why This Signature

Member Growth (YoY): -0.64%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 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 304 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 178,768

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.15B

Peer Avg: -

#15 of 304 Top 4.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.31B

Peer Avg: -

#19 of 304 Top 5.9% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.65B

Peer Avg: -

#26 of 304 Top 8.2% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.43%

Peer Avg: -

#69 of 304 Top 22.4% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 408.146

Peer Avg: -

#76 of 304 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

269

First Mortgage Concentration (%)

balance_sheet

Value: 50.73%

Peer Avg: -

#269 of 304 Bottom 11.8% in 1B-3B tier

231

Member Growth Rate

growth

Value: -0.64%

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier

229

Net Charge-Off Rate

risk

Value: 0.79%

Peer Avg: -

#229 of 304 Bottom 25.0% in 1B-3B tier