BlastPoint's Credit Union Scorecard

SANTA BARBARA TEACHERS

Charter #1909 · CA

1069 CUs in 100M-500M nationally 63 in CA

SANTA BARBARA TEACHERS has 10 strengths but faces 10 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 30.7% in tier
+ Wallet Share Momentum: Top 65.4% in tier
+ ROA 0.14% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 0.6% in tier
+ Total Delinquency Rate (60+ days): Top 0.9% in tier
+ Average Member Relationship (AMR): Top 9.2% in tier
+ Members Per Employee (MPE): Top 9.8% in tier
+ Efficiency Ratio: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.0% in tier
- Margin Compression: Bottom 28.7% in tier
- Institutional Decline: Bottom 58.6% in tier
- Stagnation Risk: Bottom 70.9% in tier
- Membership Headwinds: Bottom 72.3% in tier
- Fee Income Per Member: Bottom 0.7% in tier
- Loan-to-Share Ratio: Bottom 0.7% in tier
- First Mortgage Concentration (%): Bottom 2.2% in tier
- Net Interest Margin (NIM): Bottom 4.1% in tier
- Total Loans: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,187 -1.6% YoY-0.1% QoQ	-6.3K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	25%
Assets	$305.4M +8.2% YoY+0.9% QoQ	+$73.5M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	74%
Loans	$59.1M -4.6% YoY-1.1% QoQ	$-88.3M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Bottom 9.4% in tier
Deposits	$263.0M +7.6% YoY+0.6% QoQ	+$62.2M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	74%

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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	0.9% -37.2% YoY+0.6% QoQ	+0.1%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	61%
NIM	2.3% -16.2% YoY+1.4% QoQ	-1.3%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 4.0% in tier
Efficiency Ratio	62.4% +26.1% YoY+0.6% QoQ	-14.6%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Bottom 9.9% in tier
Delinquency Rate	0.0% -41.2% YoY+37.9% QoQ	-0.9	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Bottom 0.9% in tier
Loan To Share	22.5% -11.4% YoY-1.7% QoQ	-49.8%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	Bottom 0.6% in tier
AMR	$35,062 +6.8% YoY+0.3% QoQ	+$10K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 9.3% in tier
CD Concentration	0.0%	-24.4%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#83 of 268 • Top 30.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.83%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#336 of 513 • Top 65.4% in tier

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

Why This Signature

AMR Growth (YoY): 6.83%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Cost Spiral

risk

#1 of 46 • Bottom 0.0% 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: 12.93% points

(Tier: -2.44% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 28.61%

(Tier: 60.04%, National: 63.66%)

but better than tier avg

46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Margin Compression

decline

#36 of 123 • Bottom 28.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.44%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.54% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Institutional Decline

decline

#141 of 240 • Bottom 58.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $305.39M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.64%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#393 of 554 • Bottom 70.9% 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): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.64%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#401 of 554 • Bottom 72.3% in tier

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

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 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 1069 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: -

#7 of 1069 Top 0.6% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $35,062

Peer Median: -

#99 of 1069 Top 9.2% in 100M-500M tier

106

Members Per Employee (MPE)

engagement

Value: 459.350

Peer Median: -

#106 of 1069 Top 9.8% in 100M-500M tier

107

Efficiency Ratio

profitability

Value: 62.43%

Peer Median: -

#107 of 1069 Top 9.9% in 100M-500M tier

240

Asset Growth Rate

growth

Value: 8.15%

Peer Median: -

#240 of 1069 Top 22.4% in 100M-500M tier

243

Deposit Growth Rate

growth

Value: 7.62%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

268

AMR Growth Rate

growth

Value: 6.83%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1063

Fee Income Per Member

profitability

Value: $21.86

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1063

Loan-to-Share Ratio

balance_sheet

Value: 22.46%

Peer Median: -

#1063 of 1069 Bottom 0.7% in 100M-500M tier

1046

First Mortgage Concentration (%)

balance_sheet

Value: 68.99%

Peer Median: -

#1046 of 1069 Bottom 2.2% in 100M-500M tier

1026

Net Interest Margin (NIM)

profitability

Value: 2.35%

Peer Median: -

#1026 of 1069 Bottom 4.1% in 100M-500M tier

968

Total Loans

balance_sheet

Value: $59.07M

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

936

Loan Growth Rate

growth

Value: -4.64%

Peer Median: -

#936 of 1069 Bottom 12.5% in 100M-500M tier

893

Loan-to-Member Ratio (LMR)

engagement

Value: $6,430

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier

804

Total Members

engagement

Value: 9,187

Peer Median: -

#804 of 1069 Bottom 24.9% in 100M-500M tier