BlastPoint's Credit Union Scorecard
DELTA SCHOOLS
Charter #24492 · CA
DELTA SCHOOLS has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.05% above tier average
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Fee Income Per Member: Top 6.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.6% YoY
- - Indirect Auto Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,980
-2.6% YoY-0.4% QoQ
|
+364 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$62.8M
+4.7% YoY+0.9% QoQ
|
+$32.6M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$30.0M
+4.7% YoY+3.1% QoQ
|
+$14.3M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$55.9M
+3.5% YoY+0.8% QoQ
|
+$30.2M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 14.8% in tier |
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| ROA |
1.5%
+41.1% YoY+0.0% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
4.0%
+19.8% YoY+0.7% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
67.8%
-9.6% YoY+0.3% QoQ
|
-14.8% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
23% |
| Delinquency Rate |
0.0%
-99.7% YoY-99.2% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.2% in tier |
| Loan To Share |
53.7%
+1.2% YoY+2.3% QoQ
|
-6.9% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$28,839
+6.7% YoY+1.9% QoQ
|
+$14K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.1% in tier |
| CD Concentration |
19.5%
-7.6% YoY-0.6% QoQ
|
-4.9% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
9.6%
-23.6% YoY-8.8% QoQ
|
-4.2% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)