BlastPoint's Credit Union Scorecard

SANTA ANA

Charter #24520 · CA

100M-500M

1070 CUs in 100M-500M nationally 62 in CA

SANTA ANA has 7 strengths but faces 3 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.80% above tier average
+ Total Delinquency Rate (60+ days): Top 0.4% in tier
+ Net Charge-Off Rate: Top 0.9% in tier

Key Concerns

Areas that may need attention

- Total Members: Bottom 4.7% in tier
- Total Deposits: Bottom 8.6% in tier
- Total Assets: Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	5,368 +1.9% YoY+0.6% QoQ	-9.8K	15,145 -2.5% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Bottom 4.6% in tier
Assets	$112.5M +5.2% YoY+3.3% QoQ	$-119.2M	$231.7M +0.8% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Bottom 8.6% in tier
Loans	$66.6M +9.9% YoY+4.3% QoQ	$-77.5M	$144.1M +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	Bottom 14.6% in tier
Deposits	$97.0M +4.1% YoY+3.7% QoQ	$-104.2M	$201.1M +0.4% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Bottom 8.5% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.5% +8.8% YoY+9.4% QoQ	+0.8%	0.7% +5.1% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	Top 10.7% in tier
NIM	3.1% -1.1% YoY-1.6% QoQ	-0.6%	3.6% +4.6% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	61.4% -5.4% YoY-3.4% QoQ	-16.7%	78.0% -1.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	Top 10.1% in tier
Delinquency Rate	0.0% -99.8% YoY	-0.8	0.8% +7.1% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	Top 0.4% in tier
Loan To Share	68.7% +5.7% YoY+0.7% QoQ	-1.7%	70.4% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	43%
AMR	$30,475 +4.4% YoY+3.3% QoQ	+$6K	$24,918 +2.7% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	82%
CD Concentration	21.7% +33.5% YoY+12.0% QoQ	-2.6%	24.3%	21.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.0%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#71 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.86%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.53%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Emerging Performer

growth

#82 of 157 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.53%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.86%

(Tier: 0.72%, National: 10.19%)

better than tier avg

157 of 1070 Mid-Small & Community CUs have this signature | 260 nationally

→ No prior data (157 CUs now) | New qualifier

Relationship Depth Leader

growth

#149 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.44%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Organic Growth Leader

growth

#240 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.86%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: 0.61%

#5 of 1070 Top 0.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.07%

Peer Median: 0.35%

#11 of 1070 Top 0.9% in 100M-500M tier

109

Efficiency Ratio

profitability

Value: 61.36%

Peer Median: 78.68%

#109 of 1070 Top 10.1% in 100M-500M tier

114

Return on Assets (ROA)

profitability

Value: 1.53%

Peer Median: 0.69%

#114 of 1070 Top 10.6% in 100M-500M tier

182

Loan Growth Rate

growth

Value: 9.95%

Peer Median: 2.93%

#182 of 1070 Top 16.9% in 100M-500M tier

192

Average Member Relationship (AMR)

engagement

Value: $30,475

Peer Median: $22,931

#192 of 1070 Top 17.9% in 100M-500M tier

231

Loan-to-Member Ratio (LMR)

engagement

Value: $12,408

Peer Median: $9,356

#231 of 1070 Top 21.5% in 100M-500M tier

Top Weaknesses (5 metrics)

1021

Total Members

engagement

Value: 5,368

Peer Median: 13,200

#1021 of 1070 Bottom 4.7% in 100M-500M tier

979

Total Deposits

balance_sheet

Value: $96.98M

Peer Median: $171.29M

#979 of 1070 Bottom 8.6% in 100M-500M tier

978

Total Assets

balance_sheet

Value: $112.52M

Peer Median: $196.57M

#978 of 1070 Bottom 8.7% in 100M-500M tier

914

Total Loans

balance_sheet

Value: $66.60M

Peer Median: $121.41M

#914 of 1070 Bottom 14.7% in 100M-500M tier

873

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Median: 3.62%

#873 of 1070 Bottom 18.5% in 100M-500M tier