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BlastPoint's Credit Union Scorecard

L. A. MISSION

Charter #20720 · CA

<100M
2508 CUs in <100M nationally 92 in CA

L. A. MISSION has 1 strength but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.42% above tier average

Key Concerns

Areas that may need attention

  • - Delinquency rate 1.61% above tier average
  • - Member decline: -2.2% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 841
-2.2% YoY-1.4% QoQ
-1.8K 2,676
+1.6% YoY
57,202
-0.9% YoY
33,913
+5.7% YoY
24%
Assets $8.6M
+0.8% YoY-0.8% QoQ
$-21.6M $30.2M
+1.3% YoY
$1.2B
+0.4% YoY
$578.3M
+9.0% YoY
28%
Loans $2.7M
-6.8% YoY-2.2% QoQ
$-12.6M $15.3M
-2.0% YoY
$813.8M
+0.1% YoY
$402.4M
+8.7% YoY
22%
Deposits $7.5M
-0.1% YoY-1.1% QoQ
$-18.3M $25.8M
+0.7% YoY
$1.0B
+1.2% YoY
$494.3M
+9.1% YoY
30%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.6%
+29.1% YoY-39.7% QoQ
+0.4% 0.1%
-77.6% YoY
2.1%
+290.7% YoY
0.4%
-39.2% YoY
48%
NIM 3.3%
+7.3% YoY+2.0% QoQ
-0.7% 4.0%
+4.0% YoY
5.0%
+56.5% YoY
3.8%
+4.1% YoY
27%
Efficiency Ratio 79.9%
-2.9% YoY+14.4% QoQ
-10.7% 90.6%
+6.5% YoY
81.3%
-2.7% YoY
84.6%
+2.8% YoY
46%
Delinquency Rate 3.1%
+65.0% YoY+60.3% QoQ
+1.6 1.5%
+3.8% YoY
0.6%
-45.1% YoY
1.2%
+3.4% YoY
Bottom 10.8% in tier
Loan To Share 35.8%
-6.7% YoY-1.1% QoQ
-22.7% 58.5%
-3.0% YoY
67.3%
-0.6% YoY
65.6%
-1.4% YoY
17%
AMR $12,143
+0.3% YoY+0.0% QoQ
$-3K $14,884
-1.7% YoY
$28,733
+1.2% YoY
$19,920
+1.6% YoY
39%
CD Concentration 0.0% -24.3% 24.3% 21.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.0% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 12.45%
#1 of 2508 Top 0.1% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (5 metrics)

2239
Total Delinquency Rate (60+ days)
risk
Value: 3.11%
Peer Median: 0.65%
#2239 of 2508 Bottom 10.8% in <100M tier
2075
Loan-to-Share Ratio
balance_sheet
Value: 35.77%
Peer Median: 58.72%
#2075 of 2508 Bottom 17.3% in <100M tier
2001
Fee Income Per Member
profitability
Value: $10.63
Peer Median: $60.42
#2001 of 2508 Bottom 20.3% in <100M tier
1943
Total Loans
balance_sheet
Value: $2.69M
Peer Median: $9.48M
#1943 of 2508 Bottom 22.6% in <100M tier
1904
Total Members
engagement
Value: 841
Peer Median: 1,918
#1904 of 2508 Bottom 24.1% in <100M tier
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