BlastPoint's Credit Union Scorecard
POLAM
Charter #21502 · CA
<100M
2556 CUs in <100M nationally
91 in CA
POLAM has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.1% in tier
- + Average Member Relationship (AMR): Top 2.4% in tier
- + Loan-to-Share Ratio: Top 3.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.02% below tier average
- - Efficiency ratio 28.55% above tier (higher cost structure)
- - Delinquency rate 1.37% above tier average
- - First Mortgage Concentration (%): Bottom 2.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,818
-1.1% YoY-0.5% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$73.9M
-3.6% YoY-4.7% QoQ
|
+$43.7M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 10.5% in tier |
| Loans |
$65.1M
+2.1% YoY-0.0% QoQ
|
+$49.4M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 1.0% in tier |
| Deposits |
$63.3M
-3.7% YoY-3.7% QoQ
|
+$37.6M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 10.4% in tier |
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| ROA |
-0.4%
-10.5% YoY+3.3% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.0% in tier |
| NIM |
2.9%
+7.1% YoY+1.8% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
111.1%
-2.1% YoY-0.0% QoQ
|
+28.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.1% in tier |
| Delinquency Rate |
2.9%
+293.6% YoY+6.1% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.4% in tier |
| Loan To Share |
102.9%
+6.0% YoY+3.9% QoQ
|
+42.3% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.4% in tier |
| AMR |
$33,634
+0.2% YoY-1.3% QoQ
|
+$19K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 2.4% in tier |
| CD Concentration |
15.0%
+11.3% YoY+5.0% QoQ
|
-9.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
26
Total Loans
balance_sheet
Value:
$65.14M
Peer Median: -
#26 of 2556
Top 1.0% in <100M tier
30
Loan-to-Member Ratio (LMR)
engagement
Value:
$17,060
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
62
Average Member Relationship (AMR)
engagement
Value:
$33,634
Peer Median: -
#62 of 2556
Top 2.4% in <100M tier
85
Loan-to-Share Ratio
balance_sheet
Value:
102.94%
Peer Median: -
#85 of 2556
Top 3.3% in <100M tier
266
Total Deposits
balance_sheet
Value:
$63.28M
Peer Median: -
#266 of 2556
Top 10.4% in <100M tier
268
Total Assets
balance_sheet
Value:
$73.88M
Peer Median: -
#268 of 2556
Top 10.4% in <100M tier
576
Fee Income Per Member
profitability
Value:
$125.44
Peer Median: -
#576 of 2556
Top 22.5% in <100M tier
587
Total Members
engagement
Value:
3,818
Peer Median: -
#587 of 2556
Top 22.9% in <100M tier
Top Weaknesses (8 metrics)
2487
First Mortgage Concentration (%)
balance_sheet
Value:
67.45%
Peer Median: -
#2487 of 2556
Bottom 2.7% in <100M tier
2400
Efficiency Ratio
profitability
Value:
111.11%
Peer Median: -
#2400 of 2556
Bottom 6.1% in <100M tier
2300
Return on Assets (ROA)
profitability
Value:
-0.40%
Peer Median: -
#2300 of 2556
Bottom 10.1% in <100M tier
2214
Total Delinquency Rate (60+ days)
risk
Value:
2.93%
Peer Median: -
#2214 of 2556
Bottom 13.4% in <100M tier
2190
Members Per Employee (MPE)
engagement
Value:
190.900
Peer Median: -
#2190 of 2556
Bottom 14.4% in <100M tier
2140
Net Interest Margin (NIM)
profitability
Value:
2.90%
Peer Median: -
#2140 of 2556
Bottom 16.3% in <100M tier
2083
Asset Growth Rate
growth
Value:
-3.60%
Peer Median: -
#2083 of 2556
Bottom 18.5% in <100M tier
1973
Deposit Growth Rate
growth
Value:
-3.72%
Peer Median: -
#1973 of 2556
Bottom 22.8% in <100M tier