BlastPoint's Credit Union Scorecard
CHEVRON
Charter #24326 · CA
CHEVRON has 4 strengths but faces 9 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 32.5% in tier
- + Relationship Depth Leader: Top 100.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 0.0% in tier
- - Liquidity Strain: Bottom 35.3% in tier
- - ROA 1.26% below tier average
- - Efficiency ratio 56.77% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 2.9% in tier
- - Total Assets: Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 5.9% in tier
- - First Mortgage Concentration (%): Bottom 5.9% in tier
- - Total Members: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139,185
+1.1% YoY+0.6% QoQ
|
-150.5K |
289,724
-2.8% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
Bottom 5.9% in tier |
| Assets |
$5.0B
+4.2% YoY+0.7% QoQ
|
$-755.1M |
$5.8B
+0.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.0% in tier |
| Loans |
$4.0B
+0.6% YoY+1.6% QoQ
|
$-41.1M |
$4.1B
-3.1% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
41% |
| Deposits |
$4.4B
+5.0% YoY+0.6% QoQ
|
$-528.2M |
$4.9B
+2.2% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.8% in tier |
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| ROA |
-0.5%
-183.3% YoY-33.4% QoQ
|
-1.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.0% in tier |
| NIM |
1.3%
+43.0% YoY+6.8% QoQ
|
-1.6% |
2.9%
+3.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
124.9%
+70.9% YoY-19.1% QoQ
|
+56.8% |
68.1%
-1.7% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
0.4%
-3.0% YoY-17.6% QoQ
|
-0.3 |
0.6%
-2.2% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
92.7%
-4.1% YoY+1.0% QoQ
|
+9.1% |
83.6%
-5.7% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$60,362
+1.7% YoY+0.5% QoQ
|
+$26K |
$34,398
+4.0% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 8.8% in tier |
| CD Concentration |
36.4%
-7.9% YoY+1.5% QoQ
|
+7.5% |
28.9%
-1.3% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
77% |
| Indirect Auto % |
0.1%
+122.7% YoY+43.5% QoQ
|
-16.5% |
16.6%
-10.3% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
Bottom 10.9% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)