BlastPoint's Credit Union Scorecard

U.P.S. EMPLOYEES

Charter #21532 · CA

<100M

2508 CUs in <100M nationally 92 in CA

U.P.S. EMPLOYEES has 2 strengths but faces 1 concern

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.37% above tier average
+ Net Interest Margin 0.08% above tier average

Key Concerns

Areas that may need attention

- Net Worth Ratio: Bottom 4.4% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	5,190 -1.4% YoY+0.1% QoQ	+2.5K	2,676 +1.6% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Top 12.2% in tier
Assets	$48.9M +0.1% YoY+2.3% QoQ	+$18.7M	$30.2M +1.3% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	76%
Loans	$35.4M +0.1% YoY-1.3% QoQ	+$20.2M	$15.3M -2.0% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Top 13.0% in tier
Deposits	$44.8M -0.7% YoY+2.4% QoQ	+$19.1M	$25.8M +0.7% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	79%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -7.7% QoQ	+0.4%	0.1% -77.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	45%
NIM	4.1% +14.1% YoY+3.2% QoQ	+0.1%	4.0% +4.0% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	62%
Efficiency Ratio	82.4% -0.1% YoY+0.4% QoQ	-8.2%	90.6% +6.5% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.1% -33.2% YoY-76.2% QoQ	-1.5	1.5% +3.8% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	18%
Loan To Share	79.0% +0.8% YoY-3.6% QoQ	+20.5%	58.5% -3.0% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	80%
AMR	$15,470 +1.1% YoY+0.6% QoQ	+$586	$14,884 -1.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	58%
CD Concentration	16.5% -1.4% YoY+5.2% QoQ	-7.8%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

305

Total Members

engagement

Value: 5,190

Peer Median: 1,918

#305 of 2508 Top 12.1% in <100M tier

325

Total Loans

balance_sheet

Value: $35.45M

Peer Median: $9.48M

#325 of 2508 Top 12.9% in <100M tier

442

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Median: 0.65%

#442 of 2508 Top 17.6% in <100M tier

446

Members Per Employee (MPE)

engagement

Value: 471.818

Peer Median: 333.750

#446 of 2508 Top 17.7% in <100M tier

486

Loan-to-Share Ratio

balance_sheet

Value: 79.04%

Peer Median: 58.72%

#486 of 2508 Top 19.3% in <100M tier

536

Total Deposits

balance_sheet

Value: $44.85M

Peer Median: $18.77M

#536 of 2508 Top 21.3% in <100M tier

592

Total Assets

balance_sheet

Value: $48.92M

Peer Median: $21.86M

#592 of 2508 Top 23.6% in <100M tier

Top Weaknesses (2 metrics)

2399

Net Worth Ratio

risk

Value: 7.85%

Peer Median: 14.28%

#2399 of 2508 Bottom 4.4% in <100M tier

2216

First Mortgage Concentration (%)

balance_sheet

Value: 43.09%

Peer Median: 3.66%

#2216 of 2508 Bottom 11.7% in <100M tier