BlastPoint's Credit Union Scorecard

SANTA BARBARA TEACHERS

Charter #1909 · CA

1077 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

+ Credit Quality Leader: Top 2.1% in tier
+ Relationship Depth Leader: Top 35.9% in tier
+ Wallet Share Momentum: Top 71.5% in tier
+ ROA 0.11% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 0.6% in tier
+ Net Charge-Off Rate: Top 0.8% in tier
+ Average Member Relationship (AMR): Top 8.9% in tier
+ Members Per Employee (MPE): Top 9.7% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 0.4% in tier
- Stagnation Risk: Bottom 7.2% in tier
- Margin Compression: Bottom 9.3% in tier
- Institutional Decline: Bottom 19.7% in tier
- Membership Headwinds: Bottom 21.8% in tier
- Loan-to-Share Ratio: Bottom 0.6% in tier
- Fee Income Per Member: Bottom 0.8% in tier
- First Mortgage Concentration (%): Bottom 1.9% in tier
- Net Interest Margin (NIM): Bottom 4.2% in tier
- Total Loans: Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	9,192 -1.7% YoY-0.3% QoQ	-6.4K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	24%
Assets	$302.7M +6.9% YoY+2.1% QoQ	+$71.4M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	73%
Loans	$59.7M -3.8% YoY-0.2% QoQ	$-88.1M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 9.3% in tier
Deposits	$261.5M +6.5% YoY+1.9% QoQ	+$61.3M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% 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% -42.3% YoY-5.4% QoQ	+0.1%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	60%
NIM	2.3% -19.2% YoY-0.9% QoQ	-1.3%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	Bottom 4.1% in tier
Efficiency Ratio	62.0% +33.1% YoY+3.2% QoQ	-15.2%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Bottom 10.9% in tier
Delinquency Rate	0.0% -51.9% YoY-34.7% QoQ	-0.8	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 0.6% in tier
Loan To Share	22.8% -9.7% YoY-2.0% QoQ	-49.9%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	Bottom 0.6% in tier
AMR	$34,950 +6.2% YoY+1.8% QoQ	+$11K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	Top 9.0% in tier
CD Concentration	0.0%	-24.4%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#8 of 340 • Top 2.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.01%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#93 of 257 • Top 35.9% 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): 6.25%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Wallet Share Momentum

growth

#344 of 481 • Top 71.5% in tier

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

Why This Signature

AMR Growth (YoY): 6.25%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Cost Spiral

risk

#2 of 62 • Bottom 0.4% 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: 15.44% points

(Tier: -2.84% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 27.25%

(Tier: 59.95%, National: 63.68%)

but better than tier avg

62 of 1077 Community CUs have this signature | 80 nationally

↓ Shrinking -38 CUs YoY | New qualifier

Stagnation Risk

risk

#119 of 550 • Bottom 7.2% 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): -1.70%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.79%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.01%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Margin Compression

decline

#40 of 136 • Bottom 9.3% 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: 0.90%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.56%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.66% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Institutional Decline

decline

#156 of 256 • Bottom 19.7% in tier

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

Why This Signature

Total Assets: $302.73M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -1.70%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.79%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline

#360 of 550 • Bottom 21.8% in tier

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

Why This Signature

Member Growth (YoY): -1.70%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Avg: -

#8 of 1077 Top 0.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.00%

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $34,950

Peer Avg: -

#97 of 1077 Top 8.9% in 100M-500M tier

105

Members Per Employee (MPE)

engagement

Value: 459.600

Peer Avg: -

#105 of 1077 Top 9.7% in 100M-500M tier

118

Efficiency Ratio

profitability

Value: 62.05%

Peer Avg: -

#118 of 1077 Top 10.9% in 100M-500M tier

270

AMR Growth Rate

growth

Value: 6.25%

Peer Avg: -

#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (8 metrics)

1071

Loan-to-Share Ratio

balance_sheet

Value: 22.83%

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1069

Fee Income Per Member

profitability

Value: $22.10

Peer Avg: -

#1069 of 1077 Bottom 0.8% in 100M-500M tier

1057

First Mortgage Concentration (%)

balance_sheet

Value: 70.03%

Peer Avg: -

#1057 of 1077 Bottom 1.9% in 100M-500M tier

1033

Net Interest Margin (NIM)

profitability

Value: 2.32%

Peer Avg: -

#1033 of 1077 Bottom 4.2% in 100M-500M tier

977

Total Loans

balance_sheet

Value: $59.72M

Peer Avg: -

#977 of 1077 Bottom 9.4% in 100M-500M tier

892

Loan Growth Rate

growth

Value: -3.79%

Peer Avg: -

#892 of 1077 Bottom 17.3% in 100M-500M tier

881

Loan-to-Member Ratio (LMR)

engagement

Value: $6,497

Peer Avg: -

#881 of 1077 Bottom 18.3% in 100M-500M tier

818

Total Members

engagement

Value: 9,192

Peer Avg: -

#818 of 1077 Bottom 24.1% in 100M-500M tier