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 23.2% in tier
- + Organic Growth Engine: Top 23.2% in tier
- + Emerging Performer: Top 64.5% in tier
- + Net Interest Margin 0.59% above tier average
- + Loan Growth Rate: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 5.8% in tier
- - Credit Quality Pressure: Bottom 11.6% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 3.76% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
- - Total Assets: Bottom 3.6% in tier
- - Total Loans: Bottom 4.9% in tier
- - Total Members: Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,198
+5.0% YoY+2.7% QoQ
|
-45.9K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 5.9% in tier |
| Assets |
$1.0B
+7.6% YoY+1.2% QoQ
|
$-683.7M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.3% in tier |
| Loans |
$638.1M
+17.0% YoY+2.6% QoQ
|
$-575.6M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.6% in tier |
| Deposits |
$914.6M
+4.3% YoY+1.4% QoQ
|
$-550.9M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.5% in tier |
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| ROA |
0.5%
+27.9% YoY+26.7% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
3.9%
+1.4% YoY+3.3% QoQ
|
+0.6% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
78.4%
-4.6% YoY-2.8% QoQ
|
+3.8% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
65% |
| Delinquency Rate |
1.0%
+42.6% YoY+1.9% QoQ
|
+0.2 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
69.8%
+12.1% YoY+1.2% QoQ
|
-13.4% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
15% |
| AMR |
$30,933
+4.0% YoY-0.8% QoQ
|
+$1K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
64% |
| CD Concentration |
24.9%
+22.7% YoY+1.4% QoQ
|
-4.0% | 28.8% | 21.6% | 19.8% | 33% |
| Indirect Auto % |
3.9%
-49.2% YoY-13.0% QoQ
|
-14.2% | 18.1% | 9.0% | 7.7% | 23% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)