BlastPoint's Credit Union Scorecard
EPISCOPAL COMMUNITY
Charter #24506 · CA
EPISCOPAL COMMUNITY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.44% below tier average
- - Delinquency rate 3.53% above tier average
- - Member decline: -4.2% YoY
- - Net Worth Ratio: Bottom 3.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
- - Net Charge-Off Rate: Bottom 8.6% 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 +3.4% year over year ($6.1M in shares and deposits).
- Membership: 982 members, -4.2% vs a year ago.
- Delinquency rate 5.08%.
- Return on assets 0.06%.
- Efficiency ratio 87.37% vs a 88.77% peer average.
- Loan-to-share ratio 29.66% 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 |
982
-4.2% YoY-0.3% QoQ
|
-1.6K |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$6.7M
+2.7% YoY+1.6% QoQ
|
$-23.6M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$1.8M
-0.3% YoY-1.0% QoQ
|
$-13.6M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
17% |
| Deposits |
$6.1M
+3.4% YoY+1.7% QoQ
|
$-19.7M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.1%
-87.4% YoY-140.5% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 4.1% in tier |
| NIM |
4.0%
+9.7% YoY-0.9% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
87.4%
-3.4% YoY-0.7% QoQ
|
-1.4% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate |
5.1%
-36.6% YoY+141.3% QoQ
|
+3.5 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.3% in tier |
| Loan To Share |
29.7%
-3.6% YoY-2.6% QoQ
|
-29.2% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.8% in tier |
| AMR |
$8,103
+7.0% YoY+1.4% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
19% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)