BlastPoint's Credit Union Scorecard
COMUNIDAD LATINA
Charter #24776 ยท CA
2596 CUs in <100M nationally
92 in CA
COMUNIDAD LATINA has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.71% above tier average
- + Net Interest Margin 2.05% above tier average
- + Strong member growth: 9.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Asset Growth Rate: Top 1.5% in tier
- + Member Growth Rate: Top 3.4% in tier
- + Efficiency Ratio: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.01% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,989
+9.7% YoY+3.2% QoQ
|
-636 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$10.9M
+21.5% YoY+6.4% QoQ
|
$-18.9M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$6.3M
-1.0% YoY+0.6% QoQ
|
$-9.5M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
39% |
| Deposits |
$8.2M
+23.8% YoY+7.3% QoQ
|
$-17.2M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
32% |
| ROA |
3.4%
-4.3% YoY-3.6% QoQ
|
+2.7% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.7% in tier |
| NIM |
6.0%
-16.1% YoY-4.9% QoQ
|
+2.0% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Top 4.3% in tier |
| Efficiency Ratio |
46.5%
+2.6% YoY-6.1% QoQ
|
-34.9% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate |
1.5%
+105.0% YoY+180.8% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
72% |
| Loan To Share |
76.3%
-20.0% YoY-6.3% QoQ
|
+15.0% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$7,284
+1.8% YoY+1.1% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
16% |
| CD Concentration |
22.0%
-8.0% YoY+0.0% QoQ
|
-2.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
40
Deposit Growth Rate
growth
Value:
23.77%
Peer Avg: 16.80%
#40 of 2596
Top 1.5% in <100M tier
41
Asset Growth Rate
growth
Value:
21.46%
Peer Avg: 1.82%
#41 of 2596
Top 1.5% in <100M tier
44
Return on Assets (ROA)
profitability
Value:
3.39%
Peer Avg: 0.68%
#44 of 2596
Top 1.7% in <100M tier
90
Member Growth Rate
growth
Value:
9.71%
Peer Avg: 14.92%
#90 of 2596
Top 3.4% in <100M tier
112
Net Interest Margin (NIM)
profitability
Value:
5.98%
Peer Avg: 3.93%
#112 of 2596
Top 4.3% in <100M tier
116
Efficiency Ratio
profitability
Value:
46.47%
Peer Avg: 81.39%
#116 of 2596
Top 4.4% in <100M tier
298
Net Worth Ratio
risk
Value:
24.64%
Peer Avg: 16.43%
#298 of 2596
Top 11.4% in <100M tier
Top Weaknesses (2 metrics)
2179
Average Member Relationship (AMR)
engagement
Value:
$7,284
Peer Avg: $14,627
#2179 of 2596
Bottom 16.1% in <100M tier
2051
Net Charge-Off Rate
risk
Value:
0.72%
Peer Avg: 0.57%
#2051 of 2596
Bottom 21.0% in <100M tier