BlastPoint's Credit Union Scorecard
DELTA SCHOOLS
Charter #24492 · CA
DELTA SCHOOLS has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 4.4% in tier
- + Fee Income Per Member: Top 6.2% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Indirect Auto Concentration (%): Bottom 9.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits +6.8% year over year ($59.0M in shares and deposits).
- Membership: 2,953 members, -1.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.18%.
- Efficiency ratio 71.31% vs a 88.77% peer average.
- Loan-to-share ratio 49.93% vs a 58.89% 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 |
2,953
-1.6% YoY-0.6% QoQ
|
+367 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$66.5M
+7.6% YoY+0.8% QoQ
|
+$36.2M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 13.9% in tier |
| Loans |
$29.5M
-0.3% YoY-3.5% QoQ
|
+$14.0M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
82% |
| Deposits |
$59.0M
+6.8% YoY+0.6% QoQ
|
+$33.2M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 12.8% in tier |
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| ROA |
1.2%
-28.8% YoY-3.1% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
69% |
| NIM |
3.9%
+1.4% YoY-0.2% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
51% |
| Efficiency Ratio |
71.3%
+11.8% YoY+1.1% QoQ
|
-17.5% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.0%
-94.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Top 13.1% in tier |
| Loan To Share |
49.9%
-6.6% YoY-4.0% QoQ
|
-9.0% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$29,976
+6.0% YoY-0.2% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 4.4% in tier |
| CD Concentration |
25.7%
+16.2% YoY+8.2% QoQ
|
+1.1% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % |
8.6%
-17.4% YoY-7.7% QoQ
|
-5.0% | 13.6% | 9.2% | 7.7% | 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)