BlastPoint's Credit Union Scorecard

SANTA ANA

Charter #24520 · CA

100M-500M

1069 CUs in 100M-500M nationally 63 in CA

SANTA ANA has 7 strengths but faces 4 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
+ Organic Growth Leader: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.63% above tier average
+ Total Delinquency Rate (60+ days): Top 0.4% in tier
+ Net Charge-Off Rate: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Total Members: Bottom 4.0% in tier
- Total Deposits: Bottom 5.8% in tier
- Total Assets: Bottom 6.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	5,335 +2.3% YoY+0.2% QoQ	-10.1K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	Bottom 3.9% in tier
Assets	$108.9M +6.9% YoY+3.1% QoQ	$-122.9M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 6.2% in tier
Loans	$63.8M +5.1% YoY+2.8% QoQ	$-83.5M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Bottom 12.1% in tier
Deposits	$93.6M +2.4% YoY+3.0% QoQ	$-107.2M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Bottom 5.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% -11.4% YoY-1.4% QoQ	+0.6%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Top 13.2% in tier
NIM	3.1% +18.1% YoY-1.3% QoQ	-0.5%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	63.6% +7.5% YoY-0.7% QoQ	-13.5%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 12.2% in tier
Delinquency Rate	0.0% -99.7% YoY-98.1% QoQ	-0.9	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	Top 0.4% in tier
Loan To Share	68.2% +2.7% YoY-0.2% QoQ	-4.0%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	39%
AMR	$29,505 +1.2% YoY+2.8% QoQ	+$5K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	80%
CD Concentration	19.4% +11.6% YoY-4.9% QoQ	-5.1%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#95 of 595 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.40%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Emerging Performer

growth

#77 of 182 • 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: 1.40%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 2.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Organic Growth Leader

growth

#240 of 426 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.26%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#263 of 268 • 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): 1.18%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.8K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (1)

Margin Compression

decline

#69 of 123 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.40%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.58%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.18% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.00%

Peer Median: -

#5 of 1069 Top 0.4% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.05%

Peer Median: -

#74 of 1069 Top 6.8% in 100M-500M tier

131

Efficiency Ratio

profitability

Value: 63.55%

Peer Median: -

#131 of 1069 Top 12.2% in 100M-500M tier

141

Return on Assets (ROA)

profitability

Value: 1.40%

Peer Median: -

#141 of 1069 Top 13.1% in 100M-500M tier

209

Average Member Relationship (AMR)

engagement

Value: $29,505

Peer Median: -

#209 of 1069 Top 19.5% in 100M-500M tier

263

Loan-to-Member Ratio (LMR)

engagement

Value: $11,967

Peer Median: -

#263 of 1069 Top 24.5% in 100M-500M tier

268

Member Growth Rate

growth

Value: 2.26%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1027

Total Members

engagement

Value: 5,335

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1008

Total Deposits

balance_sheet

Value: $93.57M

Peer Median: -

#1008 of 1069 Bottom 5.8% in 100M-500M tier

1003

Total Assets

balance_sheet

Value: $108.95M

Peer Median: -

#1003 of 1069 Bottom 6.3% in 100M-500M tier

940

Total Loans

balance_sheet

Value: $63.84M

Peer Median: -

#940 of 1069 Bottom 12.2% in 100M-500M tier

819

Net Interest Margin (NIM)

profitability

Value: 3.13%

Peer Median: -

#819 of 1069 Bottom 23.5% in 100M-500M tier