BlastPoint's Credit Union Scorecard
PARTNERS
Charter #18708 · CA
PARTNERS has 6 strengths but faces 4 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
- + Wallet Share Momentum: Top 30.1% in tier
- + Net Interest Margin 0.19% above tier average
- + Total Loans: Top 3.0% in tier
- + Total Members: Top 3.7% in tier
- + Total Deposits: Top 4.7% in tier
- + Total Assets: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 41.3% in tier
- - Stagnation Risk: Bottom 83.3% in tier
- - Membership Headwinds: Bottom 83.3% in tier
- - Efficiency ratio 2.01% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
- Shares and deposits +3.8% year over year ($2.41B in shares and deposits).
- Membership: 175,757 members, -1.7% vs a year ago.
- Delinquency rate 0.74%.
- Return on assets 0.78%.
- Efficiency ratio 75.03% vs a 73.02% peer average.
- Loan-to-share ratio 91.35% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
175,757
-1.7% YoY-0.6% QoQ
|
+78.9K |
96,861
-1.9% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 4.0% in tier |
| Assets |
$2.8B
+4.4% YoY-1.2% QoQ
|
+$1.0B |
$1.7B
+0.4% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 5.7% in tier |
| Loans |
$2.2B
+3.9% YoY+0.7% QoQ
|
+$969.1M |
$1.2B
+0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 3.3% in tier |
| Deposits |
$2.4B
+3.8% YoY-1.4% QoQ
|
+$948.6M |
$1.5B
+0.5% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 5.0% in tier |
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| ROA |
0.8%
+108.0% YoY-16.0% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.6%
+4.3% YoY+0.9% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
62% |
| Efficiency Ratio |
75.0%
+0.6% YoY+3.7% QoQ
|
+2.0% |
73.0%
-2.7% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
57% |
| Delinquency Rate |
0.7%
-18.8% YoY-10.7% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
54% |
| Loan To Share |
91.4%
+0.0% YoY+2.2% QoQ
|
+6.6% |
84.7%
+0.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$26,259
+5.7% YoY+0.2% QoQ
|
$-3K |
$29,575
+1.5% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
23.5%
+4.8% YoY+2.7% QoQ
|
-5.6% | 29.1% | 22.2% | 20.0% | 26% |
| Indirect Auto % |
3.1%
-48.1% YoY-15.9% QoQ
|
-15.0% | 18.1% | 9.2% | 7.7% | 20% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)