BlastPoint's Credit Union Scorecard
CHEVRON
Charter #24326 · CA
CHEVRON has 8 strengths but faces 3 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 32.8% in tier
- + Organic Growth Engine: Top 76.6% in tier
- + Organic Growth Leader: Top 76.6% in tier
- + ROA 0.69% above tier average
- + Fee Income Per Member: Top 0.1% in tier
- + Average Member Relationship (AMR): Top 2.6% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Efficiency Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
- - Total Members: Bottom 5.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 39 credit unions with $5B-$7B in assets nationally, and 1 of 6 that size in California.
- Shares and deposits +7.9% year over year ($4.68B in shares and deposits).
- Membership: 139,374 members, +0.7% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.62%.
- Efficiency ratio 45.72% vs a 65.18% peer average.
- Loan-to-share ratio 87.79% vs a 85.64% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139,374
+0.7% YoY-0.5% QoQ
|
-171.5K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 2.6% in tier |
| Assets |
$5.4B
+7.2% YoY-1.4% QoQ
|
$-425.0M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$4.1B
+3.2% YoY+1.2% QoQ
|
$-95.7M |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$4.7B
+7.9% YoY-2.0% QoQ
|
$-219.5M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
1.6%
-334.9% YoY+195.7% QoQ
|
+0.7% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Top 7.7% in tier |
| NIM |
1.6%
+27.9% YoY+0.3% QoQ
|
-1.6% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
45.7%
-70.4% YoY-33.8% QoQ
|
-19.5% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Top 5.1% in tier |
| Delinquency Rate |
0.4%
-16.3% YoY+2.9% QoQ
|
-0.4 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 12.8% in tier |
| Loan To Share |
87.8%
-4.3% YoY+3.2% QoQ
|
+2.1% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
41% |
| AMR |
$62,995
+4.9% YoY-0.0% QoQ
|
+$31K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 5.1% in tier |
| CD Concentration |
34.2%
-4.5% YoY-6.8% QoQ
|
+5.9% | 28.3% | 22.2% | 20.0% | 74% |
| Indirect Auto % |
0.1%
+116.0% YoY+12.6% QoQ
|
-16.7% | 16.8% | 9.2% | 7.7% | Top 12.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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.
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)