BlastPoint's Credit Union Scorecard

PARTNERS

Charter #18708 · CA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

PARTNERS has 7 strengths but faces 4 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

+ Wallet Share Momentum: Top 88.5% in tier
+ ROA 0.01% above tier average
+ Net Interest Margin 0.26% above tier average
+ Total Deposits: Top 2.6% in tier
+ Total Loans: Top 3.6% in tier
+ Total Members: Top 4.6% in tier
+ Total Assets: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 69.0% in tier
- Membership Headwinds: Bottom 76.2% in tier
- Liquidity Strain: Bottom 96.4% in tier
- Delinquency rate 0.14% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	176,715 -1.4% YoY-1.1% QoQ	+79.3K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Top 5.0% in tier
Assets	$2.7B +5.9% YoY+3.2% QoQ	+$1.0B	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Top 5.3% in tier
Loans	$2.2B +2.5% YoY+0.8% QoQ	+$934.2M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Top 4.0% in tier
Deposits	$2.4B +5.6% YoY+3.6% QoQ	+$937.1M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Top 3.0% in tier

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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	0.7% -13.3% YoY-3.3% QoQ	+0.0%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	54%
NIM	3.5% +5.9% YoY-0.4% QoQ	+0.3%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	68%
Efficiency Ratio	73.5% +2.1% YoY+2.3% QoQ	-0.6%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	45%
Delinquency Rate	1.0% -3.2% YoY+8.1% QoQ	+0.1	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	72%
Loan To Share	90.5% -2.9% YoY-2.7% QoQ	+5.7%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	60%
AMR	$25,833 +5.6% YoY+3.4% QoQ	$-4K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	38%
CD Concentration	22.4% -10.6% YoY-0.1% QoQ	-6.6%	29.0%	21.7%	19.8%	22%
Indirect Auto %	4.3% -44.3% YoY-14.4% QoQ	-14.0%	18.3%	9.2%	7.8%	23%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#109 of 123 • Top 88.5% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.57%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (3)

Stagnation Risk

risk

#59 of 85 • Bottom 69.0% 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): -1.40%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.49%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.03%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Membership Headwinds

decline

#65 of 85 • Bottom 76.2% in tier

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

Why This Signature

Member Growth (YoY): -1.40%

(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

Liquidity Strain

risk

#160 of 166 • Bottom 96.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.50%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 2.49%

(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 | Rank worsening

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 302 peers in tier

Top Strengths (5 metrics)

Total Deposits

balance_sheet

Value: $2.40B

Peer Median: -

#9 of 302 Top 2.6% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.17B

Peer Median: -

#12 of 302 Top 3.6% in 1B-3B tier

Total Members

engagement

Value: 176,715

Peer Median: -

#15 of 302 Top 4.6% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.74B

Peer Median: -

#16 of 302 Top 5.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 22.42%

Peer Median: -

#69 of 302 Top 22.5% in 1B-3B tier

Top Weaknesses (2 metrics)

268

First Mortgage Concentration (%)

balance_sheet

Value: 51.76%

Peer Median: -

#268 of 302 Bottom 11.6% in 1B-3B tier

242

Member Growth Rate

growth

Value: -1.40%

Peer Median: -

#242 of 302 Bottom 20.2% in 1B-3B tier