BlastPoint's Credit Union Scorecard
UNION YES
Charter #24131 · CA
UNION YES has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Total Members: Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.2% in tier
- + Deposit Growth Rate: Top 4.6% in tier
- + Asset Growth Rate: Top 4.6% in tier
- + Total Deposits: Top 5.0% in tier
- + Total Assets: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Net Worth Ratio: Bottom 7.9% in tier
- - Average Member Relationship (AMR): Bottom 8.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
24,065
+0.2% YoY-3.7% QoQ
|
+21.4K |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 0.1% in tier |
| Assets |
$83.3M
+13.3% YoY-12.2% QoQ
|
+$53.1M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 6.6% in tier |
| Loans |
$40.7M
-3.7% YoY-3.0% QoQ
|
+$24.9M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 9.9% in tier |
| Deposits |
$74.9M
+13.9% YoY-13.4% QoQ
|
+$49.3M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 5.1% in tier |
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| ROA |
1.4%
+9.7% YoY+1.4% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
3.9%
-2.1% YoY+0.7% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
70.6%
-2.1% YoY+0.1% QoQ
|
-12.0% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
28% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
54.3%
-15.5% YoY+12.0% QoQ
|
-6.3% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$4,805
+6.8% YoY-6.6% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.6% in tier |
| CD Concentration |
7.3%
+47.1% YoY+22.8% QoQ
|
-17.1% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)