BlastPoint's Credit Union Scorecard
POLAM
Charter #21502 · CA
<100M
2508 CUs in <100M nationally
92 in CA
POLAM has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.6% in tier
- + Total Loans: Top 2.1% in tier
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Loan-to-Share Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 30.97% above tier (higher cost structure)
- - Delinquency rate 1.93% above tier average
- - Member decline: -2.4% YoY
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,794
-2.4% YoY-0.6% QoQ
|
+1.1K |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
77% |
| Assets |
$73.6M
-2.5% YoY-0.3% QoQ
|
+$43.4M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 10.6% in tier |
| Loans |
$58.0M
-10.7% YoY-10.9% QoQ
|
+$42.8M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 2.2% in tier |
| Deposits |
$63.3M
-2.1% YoY+0.1% QoQ
|
+$37.6M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 10.3% in tier |
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| ROA |
-0.7%
+51.6% YoY+88.9% QoQ
|
-0.9% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 10.1% in tier |
| NIM |
2.9%
+1.8% YoY-0.3% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
15% |
| Efficiency Ratio |
121.6%
+6.3% YoY+9.4% QoQ
|
+31.0% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
3.4%
+440.5% YoY+17.3% QoQ
|
+1.9 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.4% in tier |
| Loan To Share |
91.6%
-8.7% YoY-11.0% QoQ
|
+33.1% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Top 7.0% in tier |
| AMR |
$31,994
-4.1% YoY-4.9% QoQ
|
+$17K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 3.3% in tier |
| CD Concentration |
15.3%
+13.8% YoY+2.0% QoQ
|
-9.0% | 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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
42
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,298
Peer Median: $4,923
#42 of 2508
Top 1.6% in <100M tier
54
Total Loans
balance_sheet
Value:
$58.04M
Peer Median: $9.48M
#54 of 2508
Top 2.1% in <100M tier
82
Average Member Relationship (AMR)
engagement
Value:
$31,994
Peer Median: $13,926
#82 of 2508
Top 3.2% in <100M tier
174
Loan-to-Share Ratio
balance_sheet
Value:
91.63%
Peer Median: 58.72%
#174 of 2508
Top 6.9% in <100M tier
259
Total Deposits
balance_sheet
Value:
$63.34M
Peer Median: $18.77M
#259 of 2508
Top 10.3% in <100M tier
266
Total Assets
balance_sheet
Value:
$73.63M
Peer Median: $21.86M
#266 of 2508
Top 10.6% in <100M tier
572
Total Members
engagement
Value:
3,794
Peer Median: 1,918
#572 of 2508
Top 22.8% in <100M tier
Top Weaknesses (8 metrics)
2443
First Mortgage Concentration (%)
balance_sheet
Value:
68.17%
Peer Median: 3.66%
#2443 of 2508
Bottom 2.6% in <100M tier
2368
Efficiency Ratio
profitability
Value:
121.61%
Peer Median: 81.45%
#2368 of 2508
Bottom 5.6% in <100M tier
2272
Total Delinquency Rate (60+ days)
risk
Value:
3.43%
Peer Median: 0.65%
#2272 of 2508
Bottom 9.4% in <100M tier
2254
Return on Assets (ROA)
profitability
Value:
-0.75%
Peer Median: 0.61%
#2254 of 2508
Bottom 10.2% in <100M tier
2152
Members Per Employee (MPE)
engagement
Value:
189.700
Peer Median: 333.750
#2152 of 2508
Bottom 14.2% in <100M tier
2125
Net Interest Margin (NIM)
profitability
Value:
2.89%
Peer Median: 3.83%
#2125 of 2508
Bottom 15.3% in <100M tier
2002
AMR Growth Rate
growth
Value:
-4.09%
Peer Median: 1.27%
#2002 of 2508
Bottom 20.2% in <100M tier
1991
Loan Growth Rate
growth
Value:
-10.67%
Peer Median: -2.36%
#1991 of 2508
Bottom 20.7% in <100M tier