BlastPoint's Credit Union Scorecard
CALIFORNIA
Charter #24980 · CA
California CU at VentureTech 2026 · Fort Worth
YOU MADE THE SET.
California CU is one of 101 credit unions in the 2026 VentureTech card set. We also found California CU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.
CARD SET
Tap a card to see it up close
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CALIFORNIA CU
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PEER · AT VENTURETECH
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PEER · AT VENTURETECH
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CALIFORNIA CU'S BIGGEST OPPORTUNITY
NCUA call report, June 30, 2026.
California CU is headed to VentureTech in Fort Worth! Check out our trading card.
CALIFORNIA has 1 strength but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.1% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 16.14% above tier (higher cost structure)
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Deposit Growth Rate: Bottom 0.1% in tier
- - AMR Growth Rate: Bottom 0.1% in tier
The real pack is waiting in Fort Worth
- 1 CLEAR Your card arrived By email from Collier at BlastPoint
- 2 YOU ARE HERE Open your pack Right here on your Scorecard
- 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
- 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
- Where
- The BlastPoint booth, Omni Fort Worth
- Expo hall
- Mon Nov 16 and Tue Nov 17
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
215,150
+1.5% QoQ
|
-95.8K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
Bottom 7.7% in tier |
| Assets |
$5.4B
+0.2% QoQ
|
$-363.7M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$3.6B
+2.1% QoQ
|
$-649.6M |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
23% |
| Deposits |
$4.9B
-0.0% QoQ
|
$-29.6M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
0.5%
+28.5% QoQ
|
-0.4% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
2.5%
+0.6% QoQ
|
-0.7% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
15% |
| Efficiency Ratio |
81.3%
-4.3% QoQ
|
+16.1% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 5.1% in tier |
| Delinquency Rate |
0.4%
+12.2% QoQ
|
-0.3 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
23% |
| Loan To Share |
73.0%
+2.1% QoQ
|
-12.7% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
15% |
| AMR |
$39,116
-0.6% QoQ
|
+$7K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
82% |
| CD Concentration |
27.1%
-1.9% QoQ
|
-1.2% | 28.3% | 22.2% | 20.0% | 41% |
| Indirect Auto % |
2.9%
-1.5% QoQ
|
-13.9% | 16.8% | 9.2% | 7.7% | 23% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)