BlastPoint's Credit Union Scorecard
CHEVRON
Charter #24326 · CA
CHEVRON has 4 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
- + Relationship Depth Leader: Top 78.6% in tier
- + Organic Growth Leader: Top 89.3% in tier
- + Loan-to-Member Ratio (LMR): Top 2.9% in tier
- + Average Member Relationship (AMR): Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 33.3% in tier
- - Liquidity Strain: Bottom 96.9% in tier
- - ROA 1.17% below tier average
- - Efficiency ratio 43.85% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 5.7% in tier
- - First Mortgage Concentration (%): Bottom 5.7% in tier
- - Total Members: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
139,239
+1.1% YoY+0.0% QoQ
|
-153.1K |
292,342
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Bottom 5.7% in tier |
| Assets |
$5.1B
+4.0% YoY+1.2% QoQ
|
$-643.5M |
$5.7B
-0.2% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.3% in tier |
| Loans |
$4.1B
+1.9% YoY+0.9% QoQ
|
$-88.3M |
$4.2B
-1.6% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$4.4B
+4.9% YoY+1.8% QoQ
|
$-409.4M |
$4.8B
+0.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
-0.4%
-153.3% YoY-23.5% QoQ
|
-1.2% |
0.8%
+27.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.0% in tier |
| NIM |
1.4%
+48.1% YoY+4.0% QoQ
|
-1.7% |
3.0%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.9% in tier |
| Efficiency Ratio |
111.1%
+60.8% YoY-11.0% QoQ
|
+43.8% |
67.3%
-3.7% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
0.4%
-12.6% YoY-2.5% QoQ
|
-0.4 |
0.8%
+17.5% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.3% in tier |
| Loan To Share |
91.9%
-2.8% YoY-0.9% QoQ
|
+6.0% |
85.9%
-2.6% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$61,153
+2.4% YoY+1.3% QoQ
|
+$27K |
$34,289
+3.5% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 8.6% in tier |
| CD Concentration |
36.4%
-6.4% YoY+0.2% QoQ
|
+7.3% | 29.1% | 21.7% | 19.8% | 75% |
| Indirect Auto % |
0.1%
+157.9% YoY+10.9% QoQ
|
-17.0% | 17.1% | 9.2% | 7.8% | Bottom 11.9% in tier |
Signature Analysis
Strengths (2)
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 (<20%). Healthy, sustainable growth model.
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)