BlastPoint's Credit Union Scorecard
CHEVRON
Charter #24326 · CA
CHEVRON has 6 strengths but faces 7 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
- + Relationship Depth Leader: Top 42.2% in tier
- + Organic Growth Leader: Top 70.3% in tier
- + Organic Growth Engine: Top 70.3% in tier
- + Emerging Performer: Top 74.2% in tier
- + Average Member Relationship (AMR): Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 2.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 43.8% in tier
- - Credit Risk Growth: Bottom 75.0% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 2.52% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 2.7% in tier
- - Net Interest Margin (NIM): Bottom 5.4% in tier
- - Total Members: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
140,127
+1.6% YoY+0.6% QoQ
|
-167.7K |
307,793
+7.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
Bottom 2.7% in tier |
| Assets |
$5.4B
+6.8% YoY+6.6% QoQ
|
$-330.0M |
$5.8B
-0.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$4.1B
+2.2% YoY-0.5% QoQ
|
$-97.2M |
$4.2B
+0.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$4.8B
+7.7% YoY+7.5% QoQ
|
$-124.8M |
$4.9B
+0.2% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
0.5%
-165.8% YoY-255.9% QoQ
|
-0.3% |
0.9%
+47.0% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
27% |
| NIM |
1.6%
+35.6% YoY+14.9% QoQ
|
-1.6% |
3.2%
+9.8% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
69.1%
-66.3% YoY-37.8% QoQ
|
+2.5% |
66.6%
-11.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
0.4%
+10.1% YoY+1.2% QoQ
|
-0.3 |
0.7%
+23.3% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
85.1%
-5.2% YoY-7.4% QoQ
|
+0.3% |
84.7%
-0.7% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$63,004
+3.5% YoY+3.0% QoQ
|
+$31K |
$32,237
-7.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 5.4% in tier |
| CD Concentration |
36.7%
+0.5% YoY+0.8% QoQ
|
+8.1% | 28.6% | 21.6% | 19.8% | 82% |
| Indirect Auto % |
0.1%
+20.5% QoQ
|
-16.2% | 16.4% | 9.0% | 7.7% | Top 12.1% in tier |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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 Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)