BlastPoint's Credit Union Scorecard
MIRASTAR
Charter #24299 · CA
MIRASTAR has 5 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 61.0% in tier
- + Organic Growth Engine: Top 76.8% in tier
- + Wallet Share Momentum: Top 90.2% in tier
- + Net Interest Margin 0.55% above tier average
- + Loan Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 87.6% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 6.60% above tier (higher cost structure)
- - Delinquency rate 0.08% above tier average
- - Total Assets: Bottom 1.3% in tier
- - Total Loans: Bottom 5.0% in tier
- - Total Members: Bottom 5.0% in tier
- - Total Deposits: Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,878
+2.8% YoY+1.9% QoQ
|
-48.6K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 4.6% in tier |
| Assets |
$1.0B
+6.3% YoY+4.2% QoQ
|
$-699.6M |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.0% in tier |
| Loans |
$621.8M
+15.2% YoY+8.1% QoQ
|
$-612.6M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.6% in tier |
| Deposits |
$902.0M
+4.2% YoY+1.5% QoQ
|
$-557.3M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.0% in tier |
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| ROA |
0.4%
-29.9% YoY-1.2% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
3.8%
+1.2% YoY-1.8% QoQ
|
+0.5% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
80.7%
+3.2% YoY-0.1% QoQ
|
+6.6% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
1.0%
-14.5% YoY-5.8% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
68.9%
+10.6% YoY+6.5% QoQ
|
-15.8% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.6% in tier |
| AMR |
$31,177
+5.5% YoY+2.1% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
24.5%
+29.7% YoY+5.6% QoQ
|
-4.5% | 29.0% | 21.7% | 19.8% | 31% |
| Indirect Auto % |
4.5%
-17.5% YoY-16.0% QoQ
|
-13.8% | 18.3% | 9.2% | 7.8% | 24% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)