BlastPoint's Credit Union Scorecard

SANTA ANA

Charter #24520 · CA

1077 CUs in 100M-500M nationally 63 in CA

SANTA ANA has 9 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 2.1% in tier
+ Credit Quality Leader: Top 7.7% in tier
+ Organic Growth Leader: Top 11.8% in tier
+ Emerging Performer: Top 25.3% in tier
+ Profitability Leader: Top 53.1% in tier
+ ROA 0.63% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 2.3% in tier
+ Net Charge-Off Rate: Top 2.5% in tier

Key Concerns

Areas that may need attention

- Total Deposits: Bottom 3.6% in tier
- Total Assets: Bottom 3.7% in tier
- Total Members: Bottom 4.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	5,326 +3.3% YoY+0.4% QoQ	-10.3K	15,628 -3.4% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	Bottom 4.0% in tier
Assets	$105.6M +1.3% YoY-0.7% QoQ	$-125.7M	$231.3M -0.0% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	Bottom 3.6% in tier
Loans	$62.1M +6.9% YoY+0.9% QoQ	$-85.7M	$147.8M -1.4% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	Bottom 11.0% in tier
Deposits	$90.8M +1.0% YoY-1.4% QoQ	$-109.5M	$200.3M -0.0% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Bottom 3.5% 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% +82.2% YoY-2.9% QoQ	+0.6%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Top 14.4% in tier
NIM	3.2% +22.3% YoY+0.8% QoQ	-0.4%	3.6% +6.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	26%
Efficiency Ratio	64.0% -13.9% YoY+1.3% QoQ	-13.3%	77.3% -3.0% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Bottom 13.8% in tier
Delinquency Rate	0.1% -70.4% YoY+387.8% QoQ	-0.8	0.9% +7.6% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	Bottom 2.3% in tier
Loan To Share	68.4% +5.9% YoY+2.3% QoQ	-4.3%	72.7% -1.5% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	37%
AMR	$28,715 +0.0% YoY-0.8% QoQ	+$4K	$24,363 +2.9% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	79%
CD Concentration	20.4% +7.9% YoY+11.2% QoQ	-4.0%	24.4% +4.2% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#39 of 603 • Top 2.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.28%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.42%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#27 of 340 • Top 7.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.12% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Organic Growth Leader

growth

#156 of 430 • Top 11.8% in tier

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

Why This Signature

Member Growth (YoY): 3.28%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Emerging Performer

growth

#49 of 191 • Top 25.3% 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: 1.42%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 3.28%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Profitability Leader

growth

#181 of 340 • Top 53.1% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.42%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.64% points

(Tier: 0.11% points, National: 0.05% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | 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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#26 of 1077 Top 2.3% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Avg: -

#28 of 1077 Top 2.5% in 100M-500M tier

150

Efficiency Ratio

profitability

Value: 63.99%

Peer Avg: -

#150 of 1077 Top 13.8% in 100M-500M tier

155

Return on Assets (ROA)

profitability

Value: 1.42%

Peer Avg: -

#155 of 1077 Top 14.3% in 100M-500M tier

188

Member Growth Rate

growth

Value: 3.28%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

225

Average Member Relationship (AMR)

engagement

Value: $28,715

Peer Avg: -

#225 of 1077 Top 20.8% in 100M-500M tier

262

Members Per Employee (MPE)

engagement

Value: 380.429

Peer Avg: -

#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1039

Total Deposits

balance_sheet

Value: $90.83M

Peer Avg: -

#1039 of 1077 Bottom 3.6% in 100M-500M tier

1038

Total Assets

balance_sheet

Value: $105.63M

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1034

Total Members

engagement

Value: 5,326

Peer Avg: -

#1034 of 1077 Bottom 4.1% in 100M-500M tier

959

Total Loans

balance_sheet

Value: $62.11M

Peer Avg: -

#959 of 1077 Bottom 11.0% in 100M-500M tier

837

AMR Growth Rate

growth

Value: 0.03%

Peer Avg: -

#837 of 1077 Bottom 22.4% in 100M-500M tier