BlastPoint's Credit Union Scorecard
PARTNERS
Charter #18708 · CA
PARTNERS has 7 strengths but faces 3 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 27.9% in tier
- + ROA 0.21% above tier average
- + Net Interest Margin 0.23% above tier average
- + Total Deposits: Top 2.0% in tier
- + Total Loans: Top 2.3% in tier
- + Total Assets: Top 3.3% in tier
- + Total Members: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 82.6% in tier
- - Membership Headwinds: Bottom 82.6% in tier
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
176,871
-1.5% YoY+0.1% QoQ
|
+80.8K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Top 4.2% in tier |
| Assets |
$2.8B
+4.8% YoY+2.2% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 3.6% in tier |
| Loans |
$2.2B
+3.6% YoY+0.9% QoQ
|
+$973.4M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 2.6% in tier |
| Deposits |
$2.4B
+4.3% YoY+2.1% QoQ
|
+$981.2M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 2.3% in tier |
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| ROA |
0.9%
+464.8% YoY+34.5% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
3.6%
+5.1% YoY+1.4% QoQ
|
+0.2% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
66% |
| Efficiency Ratio |
72.3%
-2.3% YoY-1.6% QoQ
|
-2.3% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.8%
-6.0% YoY-19.7% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
89.4%
-0.6% YoY-1.2% QoQ
|
+6.2% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$26,199
+5.6% YoY+1.4% QoQ
|
$-3K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
22.9%
-1.4% YoY+1.9% QoQ
|
-6.0% | 28.8% | 21.6% | 19.8% | 24% |
| Indirect Auto % |
3.7%
-46.5% YoY-15.3% QoQ
|
-14.4% | 18.1% | 9.0% | 7.7% | 22% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)